Answer:
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.
