Consumer & Credit Rights
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The FCRA gives you real power over the file that runs your American life.
The FCRA — your legal rights over your credit reportYour credit report decides your rent, your car and your card — and the Fair Credit Reporting Act gives you enforceable rights over it: to see it, to correct it, and to know who's looking.
Fixing errors on your credit reportCredit report errors are common — mixed files, paid debts still showing, accounts that aren't yours. Newcomers with thin files are hit hardest, because one error is a big share of a small file.
Identity theft: freezes, fraud alerts and recoveryYour SSN is the master key to your financial identity, which makes it the top target for thieves. The strongest lock is free: a security freeze at all three credit bureaus.