Many people are not aware of their consumer rights under the Fair Credit Reporting Act (FCRA). This act was designed to help ensure that credit reporting agencies provide correct and complete information when a business evaluates your credit application. Many victims of identity theft and others with credit problems are denied their basic consumer rights because of lack of knowledge about these rights.

Understand Your Consumer Rights

Lenders and businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and other cases. Businesses can choose to grant or deny you credit based on your credit payment history. There are certain situations like illness or termination of employment that can cause credit problems. The FCRA equips you with consumer rights to ensure that you are treated fairly by your creditors.

Your Consumer Rights Under the FCRA

These are just some of your consumer rights:

• Creditors can never call you on Sundays
• Creditors can only call 8:00 a.m. to 9:00 p.m. your time zone
• Creditors cannot call you at work if you request that they only call you at home

Make sure you know your consumer rights so that you can be best equipped to deal with any credit problems you may have to face.

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