Application for Credit
Did you know that you might qualify for Credit Billing?
Authorization To Obtain Consumer Report
Authorization To Obtain Ongoing Consumer Reports
Disclosure: Obtaining A Consumer Report
Disclosure: Obtaining An Investigative Consumer Report
Notification And Disclosure:
Adverse Action Based On A Consumer Report
Pre-Adverse Action Notification And Disclosure:
Intended Adverse Action Based On A Consumer Report
Prescribed Notice of Furnisher Responsibilities
The federal Fair Credit Reporting Act (FCRA) requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements. This first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations. The FCRA, 15 U.S.C. 1681-1681u, is set forth in full at the Federal Trade Commission's Internet web site (http://www.ftc.gov).
Prescribed Notice of User Responsibilities
The federal Fair Credit Reporting Act (FCRA) requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements.
Prescribed Summary of Consumer Rights
The federal 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 CRAs are credit bureaus that gather and sell information about you -- such as if you pay your bills on time or have filed bankruptcy -- to creditors, employers, landlords, and other businesses. You can find the complete text of the FCRA, 15 U.S.C. 1681-1681u, at the Federal Trade Commission's web site (http://www.ftc.gov). The FCRA gives you specific rights, as outlined below. You may have additional rights under state law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.
The Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) prepared by the Federal Trade Commission. The federal 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 CRAs are credit bureaus that gather and sell information about you -- such as if you pay your bills on time or have filed bankruptcy -- to creditors, employers, landlords, and other businesses. You can find the complete text of the FCRA, 15 U.S.C. 1681-1681u, at the Federal Trade Commission's web site (http://www.ftc.gov).
Using Consumer Reports: What Employers Need to Know
As an employer, you may use consumer reports when you hire new employees and when you
evaluate employees for promotion, reassignment, and retention - as long as you comply with the
Fair Credit Reporting Act (FCRA). Sections 604, 606, and 615 of the FCRA spell out your
responsibilities when using consumer reports for employment purposes.
