Fair Credit Reporting

Fair Credit Reporting

The treatise on credit reporting, with new changes required by Dodd-Frank, new CFPB rules, FTC staff interpretations, and recent case law.

Subscribe Now!

Credit Reports


About 200 million Americans have credit histories on file with the three major credit bureaus, and these bureaus generate more than one billion credit reports each year.  Credit reports play a critical role in the economic health of American families.  A good credit history enables consumers to obtain credit, and at a fair price.  Credit reports are also used by employers, landlords, utility providers, and insurers. 

Despite their importance, inaccuracies and errors plague credit reports, with estimates of serious errors affecting up to 25% of reports.  The dispute process mandated by the Fair Credit Reporting Act has become a travesty, with the credit bureaus conducting perfunctory investigations by translating detailed written disputes into two or three digit codes and paying foreign workers as little as $0.57 to process each dispute.

NCLC played a key role in the passage of the Fair and Accurate Credit Transactions Act of 2003, and will continue to advocate for consumers to ensure that every American is treated with fairness by the credit reporting system.

Policy Analysis

Credit Reports Policy Briefs, Reports & Press Releases

- Press release: U.S. House Financial Services Committee Votes to Reduce Credit Bureaus Consumer Protections (H.R. 435), Dec. 13, 2017
- H.R. 435, Credit Access and Inclusion Act. Consumer opposition letter, Dec. 8, 2017
Issue Brief: Full Utility Credit Reporting: Risks to Low Income Consumers, July 2012 Updated August 2013
Presentation to National Association of Regulatory Utility Commissions, June 2010
- Risks to Low Income Consumers, Dec. 2009

Credit Reports Comments and Testimony

Credit Reports Letters

Policy Analysis Archive


  • Motion for Leave to file an Amicus Brief and [Proposed] Amicus brief in the Middle District of North Carolina (Brown v. Delhaize and Food Lion, Inc.), August 11, 2014
  • Amicus brief of NCLC and NACA in Carvalho v. Equifax, Full text
  • FCRA preemption and furnisher liability, Amicus Brief of NCLC and NACA in  Gorman v. Wolpoff & Abramson case, April 2009
  • White v. Experian/TransUnion/Equifax, Class action lawsuit against TransUnion LLC, Experian Information Solutions, Inc., and Equifax Information Services LLC
  • Amicus Brief of NACA, NCLC and others defending statutory damages provision of FCRA against constitutional attack

Consumer Information