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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