Consumer Rights
What information is, and is not, allowed to be included in my credit report under the FCRA?
What is Inaccurate data?
What must employers obtain from a job applicant before checking their credit report under the Fair Credit Reporting Act?
What is written consent?
If a consumer finds errors in their credit report, what right do they have under the Fair Credit Reporting Act?
What is the right to dispute any inaccurate or incomplete information?
When must an employer notify a job applicant if they decide not to hire them based on their credit report?
What is before making the final decision?
What is the requirement for credit reporting agencies to investigate inaccuracies within how many days of a consumer's dispute?
What is 30 days?
What steps must a company take when a consumer reporting agency notifies them of a consumer dispute about information they provided?
What is to be investigated in the dispute?
What type of harmful fraud-related events are consumers entitled to receive alerts about under the Fair Credit Reporting Act?
What is a fraud alert or a credit freeze?
Under the Fair Credit Reporting Act, how long must employers keep records of the disclosures and authorization forms related to credit reports?
What is at least five years?
How often am I entitled to a free credit report from each of the nationwide credit bureaus (Equifax, Experian, and TransUnion)?
What is payment history, account information, credit inquiries, and public records, like bankruptcies?
What is the specific timeframe within which an employer must notify a consumer of an adverse action taken based on a consumer report, after the action is made?
What is within 5 business days?