Under this Act, you have the right to see the credit history maintained by a credit bureau about you, and under certain conditions they must provide you with a copy of your report free of charge. a. Fair Credit Reporting Actb. Truth in Leasing Actc. Magnuson-Moss Warranty Actd. Fair Maintenance of Credit Act

Fair Credit Reporting Act

Explanation:

The Fair Credit Reporting Act (FCRA) was passed by congress under the federal law in 1970 to protect its consumers from misleading information hauled against them by credit bureau. Under the FCRA, the consumers have a right to access their credit reports and a right to understand the type of information that is added in these reports. When I talk about consumers having a right to access their credit report, I am talking about an entitlement to one free copy of the report from the bureaus at least once per year. They should have these reports two weeks after they have made their request. In case of disputes between consumers and bureaus, the bureaus should provide point of contacts that can help assist you go through your credit history.

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