Hello, this is the avatar of Jim Francis. I would like to discuss the Fair Credit Reporting Act with you. The federal Fair Credit Reporting Act or “FCRA” is one of the strongest consumer protection laws, and it requires accurate and fair credit reporting. It also protects consumer privacy. At no out-of-pocket cost to our clients, we have helped thousands of consumers with errors on their credit reports. The FCRA regulates the way consumer reporting agencies are allowed use your information. Companies contact these agencies when doing credit checks for employment screenings, loan and credit card approvals, apartment rental applications, and bank account approvals to name a few. When the information in your credit report is incorrect you have the right to dispute it and get it corrected as well as sue the consumer reporting agency for damages.