Know your rights under the Fair Credit Reporting Act.
The FCRA gives consumers rights regarding the accuracy and handling of their credit information. We help you understand where your situation may fit, and where it may not.
Reasonable accuracy procedures
Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.
Reinvestigation of disputes
When a consumer disputes information, consumer reporting agencies must conduct a reasonable reinvestigation of qualifying disputes and correct or delete inaccurate information.
Furnisher duties after notice
After a consumer reporting agency notifies a furnisher of a dispute, the furnisher has duties to investigate, review, and report results.
Potential civil liability
Willful or negligent noncompliance may give rise to civil liability, subject to the applicable legal requirements and procedural prerequisites.
The precise provisions applicable to any matter must be independently assessed by counsel. A legal claim requires facts supporting the applicable statutory elements and procedural prerequisites. Not every reporting disagreement is an FCRA violation.
Have questions about your report?
We can help you understand what you're seeing.