The Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (FCRA) is designed to promote accuracy and ensure the privacy of the information used in consumer reports. The Act is a federal statute enforced by the Federal Trade Commission and helps protect consumers from improper reporting of their information. It imposes a variety of restrictions and processes on Consumer Reporting Agencies (CRAs) as well as users of the data held and distributed by CRAs.

When you visit, you are subject to certain obligations under to FCRA. Among these is the obligation to identify your-self as a user of information available on this site, and to use that information only for a permissible purpose as provided under the FCRA. will provide information to users, conditioned on user's representations that, i) user has a permissible purpose in obtaining the data, ii) user has obtained prior written authorization from the consumer to access consumer's data, iii) the information obtained will not be used in violation of any federal or state equal opportunity law regulation, iv) if any adverse action is to be taken based on the consumer's report, a copy of the report and a summary of the consumer's rights will be provided to the consumer, and v) user has certified to all of the above.

More information, including the complete FCRA statute, can be found at the Federal Trade Commission's Web site,