- • In most cases, a Consumer reporting agencies may not report outdated negative information. consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
- • A consumer reporting agency may provide information about you Access to your file is limited. only to people with a valid need - usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
- • A consumer reporting You must give your consent for reports to be provided to employers. agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore.
- • You may limit 'prescreened' offers of credit and insurance you get based on information in Unsolicited 'prescreened' offers for credit and insurance must include a toll - your credit report. free phone number you can call if you choose to remove your name and address form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-5-OPTOUT (1- 888-567-8688).
- • The following FCRA right applies with respect to nationwide consumer reporting agencies :
- CONSUMERS HAVETHE RIGHT TO OBTAIN SECURITY FREEZE A
- You have a right to place a ' security freeze ' on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your The security freeze is designed to prevent credit, loans, and services from express authorization. being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
- As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1- year alert that is placed on a consumer's credit file. Upon seeing a fraud alert display on a consumer's credit file, a business is required to take steps to verify the consumer's identity before extending new credit. If y ou are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
- A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
- • If a consumer reporting agency, or, in some cases, a user You may seek damages from violators. of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
- • For more Identity theft victims and active duty military personnel have additional rights. information, visit www.consumerfinance.gov/learnmore.

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact: