Fair Credit Reporting

A 1977 federal legislation that regulates credit reporting agencies and the access to and use of consumer credit data. Credit bureaus can only provide access by court order or, with the consumer's permission, for credit, insurance and employment. Also, credit bureaus must correct or remove errors brought to their attention and provide file data to the consumer. Lenders who reject an application because of adverse credit information, must inform the borrower about the source of that information and make credit information on file available.

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