Credit Report

The federal Fair Credit Reporting Act (the "FCRA") gives consumers certain rights regarding their file in the credit bureau. The FCRA was enacted to promote the accuracy, fairness, and privacy of information of the files of  credit bureaus. Negative information may generally be reported on your credit report for up to seven years and bankruptcy information for up to ten years. A consumer has the right to dispute inaccurate or outdated information on his credit report under the FCRA. The credit bureau and the provider [...]