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Phone: 804-282-7900
The Consumer Law Group, P.C.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies.  This can be related to credit fraud or identity theft.

*You must be told if information in your file has been used against you.
*You have the right to know what is in your file.
*You have the right to ask for a credit score.
*You have the right to dispute incomplete or inaccurate information.
*Consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable information.
*Consumer reporting agencies may not report outdated negative information.
*Access to your file is limited.
*You must give your consent for reports to be provided to employers.
*You may limit "prescreened" offers of credit and insurance you get based on information in your credit report.
*You may seek damages from violaters.
*Identity theft victims and active duty military personnel have additional rights.
For more information on any of these points please contact us.