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  • Fair Credit Reporting Act: Free Credit Report Secrets


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  • FCRA's meaning unveiled: recent court cases have interpreted the Fair Credit Reporting Act in a light favorable to employers, leading to hope for a ... Act): An article from: Security Management


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    • fair credit reporting act FAQ

    Is fair credit reporting act same in US and Canada?

    Feb 19, 2008 by DON D | Posted in Credit

    Can somebody please send me a link or show where to look for canadian fair credit reporting act?
    Thank you

    Generally yes credit reporting is done in the US and Canada. The laws that govern how it is done in each respective place is different. The differences are many so try a google search to find the information specific to what you are looking for.

    Josh K | Feb 19, 2008

    Start here:
    http://www.gov.on.ca/mgs/en/ConsProt/STE L02_045975.html
    Jaclyn&Dave | Feb 19, 2008

    Can an unwarranted collection be a voilation of the Fair Credit Reporting Act?

    Jun 06, 2007 by sekalyma | Posted in Credit

    I saw a dentist in 2004. I had dental insurance and provided this information to the dental office. I never heard anything after that but changed dentists due to location.
    I get a copy of my credit report last month and see there is a collection

    You definately should not be held responsible for the collection agency fee.
    Since you had provided the insurance info at time of service, the dental office is at fault by failing to submit a claim and they should waive the fee.

    I

    echo | Jun 06, 2007

    Well, it sure sounds unethical...I would tell the flat that you are not going to pay the fee because of their mistake. If they refuse to have it pulled from collections, make the claim to the insurance yourself (it is a pain but you can do it) and pay
    SCH | Jun 06, 2007

    If a company is going to do a credit check, does "Fair Credit Reporting Act" have to be on the application?

    May 26, 2008 by Steve | Posted in Credit

    I read that if they are going to do a credit check prior to offering employment, the application will state that "XYZ Corp. complies with the Fair Credit Reporting Act Standards."

    The Fair Credit Reporting act applies whenever *anyone* checks your credit. Section 604 lays out the permissible uses of a person's credit report. http://www.ftc.gov/os/statutes/031224fcr a.pdf

    Bill C | May 26, 2008
    What violations of the fair credit reporting act are occuring when a collection agency reports false info?

    Apr 03, 2008 by Big Smooth | Posted in Credit

    For the past 4 years a collection agency has been placing an account on my file that is not mine. I asked them to remove it and the "supervisor" I spoke with got a very nasty attitude with me and hung up. When I called back I heard her yelling

    It sounds like you have always done this over the phone. If you have nothing in writing even if they were violating it you would have no proof.

    So the first thing you must do is send in a dispute to the Credit Reporting Agency. They have

    OC1999 | Apr 03, 2008

    fair credit reporting act news

    Identity theft reporting system needs improvements, say US victims

    18.05.12

    Unwanted pressure to buy protection services from credit reporting agencies and the inability to speak to a live person when reporting an identity theft situation were the two most annoying issues victims identified in a Federal Trade Commission report issued on the growing problem this week.

    The FTC issued a report summarising the results of a survey of identity theft victims who were asked to describe their experiences dealing with consumer reporting agencies and, more generally, exercising their rights under the Fair Credit Reporting Act (FCRA)/Fair and Accurate Credit Transactions Act (FACTA), to recover from identity theft.


    Source: Techworld.com

    fair credit reporting act about


    Struggling With Bad Credit? - Find Help To Help You Fix The Problem
    UK News Reporter (blog) - May 17, 2011 Struggling With Bad Credit? - Find Help To Help You Fix The Problem However, once you have determined to repair your credit, the next thing that is absolutely crucial is to get a copy of your credit report. Believe it or not, you are entitled by Federal law, though the Fair Credit Reporting Act, to a free copy from

    Fraud alerts can protect against ID theft
    Tulsa World - May 17, 2011 That person commits identity theft by using another's information to open credit card accounts, get loans, etc. Fraud alerts: According to the Experian website, the federal Fair Credit Reporting Act gives us specific rights when we believe we are

    Can Bad Credit Ruin Your Job Search?
    Fox Business - May 06, 2011 Before an employer can view your credit report, they need your permission in writing. That's a requirement under the Fair Credit Reporting Act. Once you grant permission, Ulzheimer says employers generally buy that information, along with a criminal

    Frozen Credit Report: For Your 'Ice' Only?
    Fox Business - May 12, 2011 My recommendation is to contact the bureaus individually about accessing your credit report. If you want to request a free report under the Fair Credit Reporting Act, explain that when you make the request from the bureau. Meanwhile, keep that freeze

    DataX Names Gore Vice President of National Sales
    PR Newswire (press release) - May 10, 2011 Gore will play an instrumental role in forming essential partnerships and enhancing DataX's technology and services to ensure its business practices are compliant with the Fair Credit Reporting Act as the company continues to shape industry standards.