Bypass navigation bar
The Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness and privacy of information in the files of every "Consumer Reporting Agency" (CRA). Most CRA's are credit bureaus that gather and sell information about you -- such as where you work and live, if you pay your bills on time and whether you've been sued, arrested or filed for bankruptcy -- to creditors, employers and other businesses. The FCRA gives you specific rights in dealing with CRA's, and requires them to provide you with a summary of these rights as listed below. You can find the complete text of the RCRA, 15 U.S.C. 1681 et seq., at the Federal Trade Commission's web site (http://www.ftc.gov).