Myfaircredit.com

Impermissible Access: 15 U.S.C. 1681b[f] and 1681q
Who can pull a credit report and when can they pull it.

Front End Duties of the Credit Reporting Agencies: 15 U.S.C. 1681e(b)
Maximum Possible Accuracy

Back End Duties of the CRAs: 1681i[a]:
Reasonable Reinvestigation

Credit Bureau's Duty to Provide Consumer Documentation to Furnisher: 1681i[a][2][B]
This Folder discusses issues pertaining to credit bureau reinvestigations with emphasis on the Agencies' duty to provide its furnishers with all relevant information and copies of documents supplied by the consumer as part of the dispute to the Agency

Duty to Add a Consumer's Dispute Statement in Association with a Specific Account and In Connection with the Credit File/Report: 15 U.S.C. 1681i[c]

Furnisher FCRA Liability: 15 U.S.C. 1681s-2
Furnishers are those persons who report data to the credit reporting agencies

Failing to Mark Contested Accounts As Disputed: 15 U.S.C. 1681s-2[a][3]
Obligation of the furnisher of credit data to advise the credit reporting agencies that the consumer has contested the subject account; a comment and flag is to be placed on the disputed account

Obsolescence: When Must the Credit Reportings Come Off of the Credit Report: 15 U.S.C. 1681c
This Folder Examines the Differing Time Periods That the Various Types of Credit Data May be Retained in Your Credit File. The Related Re-Aging Folder Also Contained in This Forum Examines the Known, Deceptive Trade Practice of Tampering With the Reporting to Avoid Automated Purge Mechanisms at the Bureaus.

Duty to Notate Disputed Accounts As Such: 15 U.S.C. 1681c[f]

Adverse Action Notice Rules: 15 U.S.C. 1681m and ECOA

Credit Solicitations Are Required to be Clear and Conspicuous: 1681m[d]
This forum addresses 15 U.S.C. 1681m[d] and the requirement in the FCRA that credit solicitations that you receive are required to be clear and conspicuous. Carefully consider whether you have a private right of action or whether the FTC or other governmental agencies must enforce this provision.

Potential Exposure For Sanctions Due to Filing Bad Faith FCRA Cases: 15 U.S.C. 1681n[c], 28 U.S.C. 1927, and Fed.R.Civ.Proc. 11

Credit Repair Organizations Act [CROA]
Persons Performing Ilegal "Credit Repair" and Liability For Such Acts

1681g: Credit Bureaus' Duties to Provide Reports/Disclosures and to Add 100 Word Statements of the Consumer

Affiliate Sharing Problems and Violations, 15 U.S.C. 1681s-3