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The Fair Credit Reporting Act (FCRA), a federal law, was created to help protect the privacy of information in the files and reports that are created by each "consumer reporting agency" (CRA). This information shows whether or not you pay your bills on time, what credit accounts you have open or closed, and your long term payment history. In addition the report provides personal information including social security number, address, phone number and place of employment. If you apply for a credit card, bank or other loan, or seek housing through rental, those you apply to will need to see your report. The FCRA gives you specific rights. You may have additional rights under state law.  (more...)