The Fair Credit Reporting Act (FCRA) is a United States federal law that provides consumer protections and regulates the collection, distribution, accuracy and privacy regarding the use of consumer credit reports.  The law was originally passed in 1970 and has been amended since. Companies that gather and sell information about consumers regarding where they work and reside, how they pay their bills, and whether they have public records filed make up the credit reporting industry.  The FCRA … [Read more...]