Credit Reports Policy Analysis Archive

Solving the Credit Conundrum: Helping Consumers' Credit Records Impaired by the Foreclosure Crisis and Great Recession, Dec. 2013

Press Release: New FTC Study Points to Much-Needed Reforms for Credit Reporting Industry, Feb. 11, 2013

Press Release: CFPB Report Points to Needed Reforms for Credit Reporting Industry, Dec. 13, 2012

Press Release: Excellent CFPB study on credit scores, Sept. 25, 2012

Press Release: CFPB to Oversee Credit Reporting Agencies, July 16, 2012

Broken Records: How Errors by Criminal Background Checking Companies Harm Workers and Businesses, April 2012

Automated Injustice: How a Mechanized Dispute System Frustrates Consumers Seeking to Fix Errors in Their Credit Reports,  Report and Press Release, Jan. 2009

Using Nontraditional Credit Information: Boon or Bane? Do Alternative Credit Scores and Credit Reports Really Help Low-Income Consumers?, June 2009

Transition Memo from Community Legal Services, NCLC, and others to FTC on Background Screening Agencies, December 2008

Letter opposing H.R. 2885, Credit Monitoring Clarification Act, May 2008

Credit Scoring and Insurance: Costing Consumers Billions and Perpetuating the Economic Racial Divide, 2007

Comments on Proposed Guidelines and Rule re: Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies under FACTA Section 312, February 12, 2008

Comments regarding FACTA Interim Final Rule Prohibiting Circumvention, Project No. P044804, April 2004

NCLC Analysis of the Fair and Accurate Credit Transactions Act of 2003, Pub. L. No. 108-159, 2003

Consumers Union analysis of the scope and limits of the preemption provisions under the FACTA, with examples of the many types of state laws that can still be enacted and enforced.