The Fair Credit Reporting Act Provides Important Consumer Protections

Congress enacted the Fair Credit Reporting Act (FCRA) to provide consumers with important consumer rights regarding the information found in their credit reports. The FCRA also provides consumers a valuable opportunity to correct erroneous or inaccurate information in their reports. Originally passed in 1970, the Fair and Accurate Credit Transactions Act of 2003 made substantial changes to the FCRA.

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