Resources
 
Fair Credit Reporting Act The Fair Credit Reporting Act (FCRA) is U.S. federal law that regulates the collection, dissemination, and use of consumer credit information.

The US mandates by law one free credit report per year from each agency

 Text of the law from the Federal Trade Commission

FTC Opinions on the Fair Credit Reporting Act

 FCRA Revised Notice to Users (Adobe PDF)

 FCRA Revised Notice to Furnishers (Adobe PDF)
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Tracers Information Specialists, Inc. (Tracers) is not a "Consumer Reporting Agency" as defined in the Fair Credit Reporting Act, and its services do not constitute a "Consumer Report" as defined in the FCRA. Accordingly, the services may not be used as a factor in determining eligibility for credit, insurance, employment, or another purpose in which a consumer report may be used under the FCRA, nor can data be included, in whole or in part, in any consumer report.