Beginner 6 min read Updated 2026-07-01 VoidMyReport Editorial
Fair Credit Reporting Act (FCRA)
A plain-language overview of the federal law that governs how credit information is collected, used, and shared.
What is the FCRA?
The Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) is the federal law that regulates consumer reporting agencies, information furnishers, and users of consumer reports.
Core protections
Consumers have the right to know what is in their file, to dispute inaccurate or incomplete information, and to have obsolete information removed.
Why it matters
The FCRA is the legal backbone of the modern dispute process. Understanding it helps you interpret the review VoidMyReport performs.