Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la

Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and

privacy of information in the files of consumer reporting agencies. There are many types of

consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies

that sell information about check writing histories, medical records, and rental history records).

insurance, or employment – or to take another adverse action against you – must tell you, and

must give you the name, address, and phone number of the agency that provided the

• You have the right to know what is in your file. You may request and obtain all the

You will be required to provide proper identification, which may include your Social

Security number. In many cases, the disclosure will be free. You are entitled to a free file

disclosure if:

• a person has taken adverse action against you because of information in your credit

• you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon request

from each nationwide credit bureau and from nationwide specialty consumer reporting

agencies. See www.consumerfinance.gov/learnmore for additional information.

• You have the right to ask for a credit score. Credit scores are numerical summaries of

your credit-worthiness based on information from credit bureaus. You may request a credit

score from consumer reporting agencies that create scores or distribute scores used in

www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

• Consumer reporting agencies must correct or delete inaccurate, incomplete, or

removed or corrected, usually within 30 days. However, a consumer reporting agency may

continue to report information it has verified as accurate.

• Consumer reporting agencies may not report outdated negative information. In most

cases, a consumer reporting agency may not report negative information that is more than

• You must give your consent for reports to be provided to employers. A consumer

reporting agency may not give out information about you to your employer, or a potential

employer, without your written consent given to the employer. Written consent generally is

not required in the trucking industry. For more information, go to

www.consumerfinance.gov/learnmore.

• You many limit “prescreened” offers of credit and insurance you get based on

information in your credit report. Unsolicited “prescreened” offers for credit and

insurance must include a toll-free phone number you can call if you choose to remove your

• Identity theft victims and active duty military personnel have additional rights. For

www.consumerfinance.gov/learnmore.

States may enforce the FCRA, and many states have their own consumer reporting laws. In

about your federal rights, contact:

their affiliates

b. Such affiliates that are not banks, savings

b. State member banks, branches and agencies

of foreign banks (other than federal branches,

federal agencies, and Insured State Branches of

Foreign Banks), commercial lending

companies owned or controlled by foreign

banks, and organizations operating under

section 25 or 25A of the Federal Reserve Act

c. Nonmember Insured Banks, Insured State

Branches of Foreign Banks, and insured state

Transportation Board