The Fair Credit Reporting Act (FCRA) is the act that regulates the collection of credit information and the access to credit reports. It was passed in 1970 to ensure fairness, accuracy and privacy of the personal information contained in the files of the credit reporting agencies.

How do I contact the Fair Credit Reporting Act?
Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address form the

What is a FCRA violation?
Violations of the Fair Credit Reporting Act may result in legal action. Parties who are potentially liable to a consumer under FCRA include the following: The credit reporting agency, also known as the credit bureau.