The FCRA is a federal law that regulates credit reporting agencies, like Experian, Equifax and TransUnion and helps govern how credit information can be obtained, how long it can be kept for and how it will be shared with others. This piece of legislation intends to protect consumers from bad information being used against them and it provides specific guidelines on the methods that credit reporting agencies can use to collect and verify information as well as how and to whom they can release it to.
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