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:: Are there any laws that regulate credit repositories?

The fair credit reporting act is a federal law that regulates the credit reporting industry. It states that consumers have the right to know the contents of their credit file, the right to challenge the accuracy of information and have it re-verified, updated or removed. It also limits the time negative information can be kept on a credit report and insures that only persons with permissible purpose can access a consumer's credit file. The fair credit reporting act is a federal law that regulates the credit reporting industry. It states that consumers have the right to know the contents of their credit file, the right to challenge the accuracy of information and have it re-verified, updated or removed. It also limits the time negative information can be kept on a credit report and insures that only persons with permissible purpose can access a consumer's credit file.




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