The Fair Credit Reporting Act (FCRA) FAQs

Many consumers do not know that the Fair Credit Reporting Act (“FCRA”) protects their rights as a consumer.    Consumers often are not aware of the FCRA until they have been in a situation where their rights have been violated. The information below is intended to be used only as a guide to the FCRA. Any questions should be directed to a licensed and qualified Consumer Protection and FCRA Attorney.

What is the Fair Credit Reporting Act (FCRA)?

The FCRA is a law that protects consumers by implementing safeguards that regulate how consumer information is collected, disseminated, and used.  These safeguards promote and seek, among other things, the accuracy of consumer credit reporting.

Can My Employer Have Access to My Credit and Consumer Information?

The FCRA permits an employer to obtain your credit and consumer report ONLY if you give your employer written and express consent.

How Do I Dispute Information on My Credit Report?

If you have found inaccurate information on your credit report, you should contact a consumer protection attorney immediately. Experienced attorneys can help you navigate the complicated process of repairing your credit under the FCRA. 

How Long Does Negative Information Remain on My Credit Report?

Negative information typically remains on your credit report from anywhere between seven (7) and ten (10) years depending on the type of information that is being reported.  However, an unpaid tax lien may stay on your credit report indefinitely depending on the specific facts of your situation.

How Do I Obtain a Copy of My Credit Report?

Every person is entitled to one free credit report each year by each of the three major credit reporting agencies: Experian, TransUnion, and Equifax.  To obtain a copy of your credit report, you can send a request in writing or you can make an online request at  However, please note that some websites may charge a fee or require that you sign up for a service to obtain your credit score.  Please see our separate blog regarding your free credit report for further details.

Contact a Consumer Protection Attorney Today

Understanding your consumer rights under the FCRA is not an easy task.  To learn more about the FCRA and how it may impact you, consider seeking the advice of a qualified Consumer Protection and FCRA Attorney.  You can contact The Kim Law Firm, LLC today by calling 855-996-6342 to schedule your free consultation with one of our attorneys.