Index
Consumer ProtectionUnited States (Federal)

Fair Credit Reporting Act (FCRA)

Summary

Regulates how consumer reporting agencies use your information and ensures the accuracy and privacy of credit reports.

Rights & Rules

  • 01.
    You have the right to be told if information in your file has been used against you.
  • 02.
    You have the right to ask for a credit score.
  • 03.
    You have the right to dispute incomplete or inaccurate information.

Penalties

  • 01.
    Actual damages sustained by the consumer
  • 02.
    Statutory damages between $100 and $1,000
  • 03.
    Punitive damages and attorney fees

Verified Citations

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