Read more about the FCRA on the Federal Trade Commissions Web site.

How can I learn my credit rights?

The Fair Credit Reporting Act (FCRA) was written by lawmakers to allow you to keep your credit information safe and accurate. Here are your rights under this act:

Your Rights Under the Fair Credit Reporting Act (FCRA)
1.	You can view your credit report upon request. You get one free credit report from each of the agencies every 12 months. You pay about $10.00 for any additional credit reports you request.
2.	The credit reporting agencies cannot give your credit information to anybody who asks for it. The agencies may only provide your credit information to people who need it for a valid reason: current or potential lenders, employers, and insurance companies.
3.	Employers must get your permission in writing before they can view your credit report.
4.	If you contact a credit reporting agency in order to fix an error, the agency must respond to you within 30 days.
5.	If you are unable to fix an error, you may add a 100-word statement to your report to explain the issue.
6.	. When a credit reporting agency confirms that information on your report is wrong or outdated, it must delete or correct it.
7.	A credit reporting agency must remove negative information on your credit report if it is more than seven years old.
8.	The credit reporting agencies share your contact information with marketing companies. You can ask them not to share it, or “opt out,” by calling 1-888-567-8688 (1-888-5OPT-OUT).
9.	If you think someone is trying to steal your identity, you can ask the credit reporting agencies to put a warning, or fraud alert, on your report. With this alert, lenders will take extra care to verify your identity before issuing you new credit.
Source: www.ftc.gov