A Summary of Your Rights Under the Fair Credit Reporting Act

  • You must be told if information in your file has been used against you. 
  • You have the right to know what is in your file. 
  • You have the right to ask for a credit score. 
  • You have the right to dispute incomplete or inaccurate information. 
  • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. 
  • Consumer reporting agencies may not report outdated negative information. 
  • You must give your consent for reports to be provided to employers. 


Sherry Ellis