FCRA

Latest Guides

Fair Credit Reporting Act (FCRA) - The Definitive Guide

The Fair Credit Reporting Act is a law that regulates consumer reports and consumer reporting agencies (CRAs). Here is a consumer-friendly summary to help you gain an understanding of your rights as a consumer and the obligations placed upon credit reporting agencies.

Friday Grab Bag - 1/15/2010

It's Friday again, and that means it's time for the weekly SpendOnLife grab bag! Here we share some of the week's more interesting tidbits from the world of identity theft and credit. Enjoy!
Disputing Errors on Your Credit Report to Get Easier

Anyone who has tried to dispute an error on their credit report knows how painful and futile the process can be. But the FTC has just issued new rules to make the credit dispute process a lot smoother. I hope.
New Law Would Prevent Employers from Checking Credit Reports

Many employers currently use credit reports when they’re hiring or promoting employees, but credit report blemishes don’t necessarily reflect job performance. If passed, new legislation would prohibit employers from checking credit reports.
The Medical Debt Relief Act of 2009: Just What the Doctor Ordered

A new piece of legislation on the table in Washington, if passed, would lessen the impact of medical bills on our credit scores.