Summary of Consumers Rights Must Also Follow A Copy of Credit Report

As per the Fair Credit Reporting Act (FCRA), if you supply a copy of the credit report to the borrower, YOU MUST also provide a copy of their rights under the FCRA.  THIS IS THE LAW!!  We have included a copy of this summary for you.  Please feel free to print this information.  It is important to make sure all personnel, especially new personnel are aware of this law.  Otherwise, your company could be subject to a lawsuit.  If you have any questions pertaining to this, please feel free to contact our office or email us.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information used in the process of granting credit.  This information is supplied by public record sources, credit grantors and others to credit reporting agencies (CRA's) who organize and store that information for distribution to credit grantors, employers and insurers who are making credit, employment and insurance decisions about you.  The FCRA gives suppliers and users of credit information, and CRA's, specific responsibilities in connection with their respective roles in the credit granting and reporting process.  The FCRA also gives you specific rights in dealing with these entities, as summarized below.  You can find the complete text of the FCRA, 15 U.S.C. 1681 et seq., at the Federal Trade Commission's web site ( .  You may have additional rights under the state law.  You may contact a state of local consumer protection agency or a state attorney general to learn those rights.


It is important to know that Credit Link obtains its information directly from the credit repositories and are unable to correct or change information on your permanent credit file. We will be happy to assist you, although if you dispute any information on your file and need it to be correctly permanently, you are best to contact the credit repositories direct.  You may contact them by phone or in writing at the repositories shown below.

Trans Union Corp.
760 West Sproul Road
P.O. Box 390
Springfield, PA  19064-0390
Experian NCAC

P.O. Box 2002
Allen, TX  75013
Equifax Information Services

P.O. Box 740256
Atlanta, GA  30374-0256
Phone: 1-800-888-4213 Phone: 1-888-397-3742 Phone: 1-800-685-5000

Your Rights Under The FCRA

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