Credit Intelligence Center
Consumer Rights
Learn about the laws and consumer protections that govern credit reporting.
Beginner 6 min read
Fair Credit Reporting Act (FCRA)
A plain-language overview of the federal law that governs how credit information is collected, used, and shared.
FCRAConsumer Rights
Read Beginner 4 min read
Consumer Rights
A summary of the rights every consumer has when interacting with credit bureaus and furnishers.
Consumer RightsFCRA
Read Beginner 3 min read
Credit Reporting Agencies
Who the bureaus are, what they do, and how they receive and store information.
BureausEquifax
Read Beginner 3 min read
Information Furnishers
The banks, lenders, and collection agencies that supply account data to the bureaus.
FurnishersFCRA
Read Intermediate 5 min read
Consumer Dispute Process
How the dispute process works, from initial letter to bureau response.
DisputeFCRA
Read Beginner 4 min read
Frequently Asked Questions — Consumer Rights
Quick answers about your rights under federal credit reporting law.
FAQConsumer Rights
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