How Is the Fair Credit Reporting Act (FCRA) Beneficial for Job Applicants?

When you are a job applicant, it is essential to have a perfect resume, cover letter, and interview. What you may not know is that polishing your credit is also a vital part of the application process. The Professional Background Screening Association estimates that around 96% of employers conduct a pre-employment background check, with 25%…

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Watch Out for These 4 Common Fair Credit Reporting Act (FCRA) Violations

A consumer’s financial future is greatly affected by what is in their credit report. Keeping close tabs on the rise and fall of the score may be important for everyone. Your credit report may dictate whether you qualify for certain important financial opportunities like renting or buying property, qualifying for a loan, being approved for…

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Does My Employer Look at My Credit Report?

Job hunting can be stressful and often requires just as much work as a full-time position. You likely have a full plate between revamping your resume, filling out applications, and scheduling interviews. However, it may surprise you that some employers can also look at your credit history when considering you for a position. Your current…

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How Long Does Information Stay On My Credit Report?

Your credit can significantly impact many aspects of your life, from your ability to rent or buy a home to whether you get hired for the job of your dreams. As much as you may strive for a high credit score, past mistakes may show up on your report. Collection accounts, late payments, and bankruptcies…

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How to Dispute Errors on Your Credit Report

Errors on your credit report could cause your credit score to be significantly lower than it would usually be. Unfortunately, a lower credit score could impact your ability to get a loan or credit card and could drive your interest rates through the roof. If you find mistakes on your credit report, you have a…

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3 Ways to Get a Collection Removed from Your Credit Report

A collection can be a significant and lasting detriment to your credit report. Having a collection on your credit report will negatively impact your credit score and could remain on your report for up to seven years. Even if you pay a collection, it could still show up on your report and negatively affect your…

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What Is Permissible Purpose and Who Has It?

The Fair Credit Reporting Act (FCRA) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual’s credit report. This credit report investigation is generally a result of an individual’s request for a credit line increase or opening a…

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How the Fair Credit Reporting Act (FCRA) Helps Consumers

The Fair Credit Reporting Act (FCRA) is a federal law to ensure the accuracy, fairness, and privacy of the information in consumer credit bureau files. The law regulates how credit reporting agencies collect, access, use, and share the data collected in consumer reports. Understanding the Purpose of the Fair Credit Reporting Act Information on consumers…

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Understanding the Fair Credit Reporting Act

Fair Credit Reporting Act

Credit reporting agencies are legally required to gather and report consumer information with the utmost accuracy.  Combined, the three largest credit reporting agencies – Experian, TransUnion, and Equifax – keep files on hundreds of millions of Americans and issue billions of credit reports each year. This voluminous amount of information makes errors inevitable.  The Fair…

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