Your Rights Under the Fair Credit Reporting Act (FCRA)

Right to Accurate and Fair Reporting FCRA §602 (15 U.S.C. § 1681)

Credit reporting agencies must adopt reasonable procedures to ensure

maximum possible accuracy of the information reported about you.

Right to Dispute Inaccurate Information FCRA §611(a)(1) (15 U.S.C. S 1681 l(a)(l))

You have the right to dispute any information you you believe is inaccurate, .

incomplete, or unverifiable.

Once a dispute is submitted, credit bureaus are legally required to investigate.

Right to Verification from Data Furnishers FCRA §611(a)(2) & §623(b) (15 U.S.C. §§16811{a)(2), 1681s- 2(b))

Credit bureaus must forward disputes to the company reporting the account,

If the furnisher cannot verify the accuracy of the information, it must be corrected.

Right to Updated Results and Free Credit Report FCRA §611(a)(6) (15 U.S.C. S l1681 l(a)(6))

After an investigation, you are entitled to:

Written results of the dispute
Notice of any changes made
A free updated credit report if 1modifications occur

Right to Limit Access to Your Credit File FCRA §604 (15 U.S.C. S 1681b)

Only entities with a permissible purpose may access your credit report.

Right to a Timely Investigation FCRA §611(a)(l)(A) (15 U.S.C. § 16811(a)(11)(A))

Credit bureaus generallly have 30 days to conduct a reasonable investigation

and respond to your dispute.

Right to Deletion of Unverifiable Information FCRA S611(a)(5)(A) (15 U.S.C. S 16811(a)(S)(A))

Any information that is inaccurate, incomplete, or cannot be verified must be

promptly removed or corrected.

At Restore Credit Solutions, we believe powerful results begin with powerful knowledge. That’s why we make sure every client is fully informed of their consumer rights and understands the protections available to them under federal law. In collaboration with experienced law firms, we help develop strategic, compliant dispute approaches tailored specifically to each client’s unique credit profile and financial goals. Don’t miss the opportunity to speak with one of our exceptional Credit Consultants and receive clear, professional guidance on how you can confidently optimize and strengthen your credit position.

Your Rights Under the Fair Credit Reporting Act (FCRA)

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