FCRA
The Fair Credit Reporting Act (FCRA) governs the accuracy of your credit reports and gives you specific rights to dispute errors.
What the FCRA Does
It governs how credit bureaus collect, maintain, and share your credit information, and establishes rules around who can legally access your credit report ("permissible purpose").
Core Rights Under FCRA
A free annual credit report from each of the three major bureaus. The right to dispute inaccurate information. The right to be notified when information in your file is used against you (e.g., a credit denial).
How to Dispute an Error
For the practical, step-by-step process of disputing an error on your credit report, see our Credit Report Disputes guide.
This information is for general education only and is not legal advice. Consumer protection laws are complex and change over time. Consult a licensed attorney or the relevant federal agency for advice specific to your situation.