The Consumer Protection Act regulates credit reports under the Credit and Personal Reports Regulation section. The Act defines a credit report as a written, oral or other communication of credit information or personal information, or both, pertaining to an individual. “Credit information” can include information about an individual’s: occupation; current and previous employers; places of employment; place or places of residence; marital status; spouse’s or adult interdependent partner’s name and age; number of dependents; educational or professional qualifications; estimated income; paying habits; outstanding debt obligations; fines; restitution orders; cost of living obligations; and assets.  Last reviewed: October 2014