The Fair Credit Reporting Act (FCRA) is a federal law that governs how a credit-
reporting agency handles your credit information. It is designed to protect the
integrity an privacy of your credit information. The FCRA requires credit reporting
agencies, and those that report to them and others, to ensure that your information
is fair, accurate and kept private. The FCRA protects your right to access and correct
any inaccuracies, mistakes or unverifiable information in your credit report and
provides you with remedies if a credit reporting agency or others that report to
them, violates your rights.
The Fair Credit Reporting Act gives you certain rights to repair your credit. You
have the right to order free copies of your credit reports and if you have inaccurate,
unverifiable information or incomplete items on your credit reports you have a right
to dispute the information and to ensure your credit reports are fair and accurate.
Step 1 Credit helps you utilize your rights under the FCRA and other federal laws.
Contact us today to learn more about your credit rights and to learn about our credit
report programs. We help consumers realize their credit dreams and enjoy the
freedom clean reports and good scores bring them.