All about FCRA

Fintech credit decisions feel instant, but the legal rules behind them are decades old. If a digital lender used consumer data to deny you credit, the Fair Credit Reporting Act may apply, even if the company calls itself a “platform.” Here’s what happens when fast lending meets federal law.

Mortgage applications used to trigger instant marketing calls from unknown lenders. The Homebuyers Privacy Protection Act changes that. This guide explains trigger leads, the 2025 FCRA amendment, and how the new opt-in system reshapes mortgage privacy.

Ban-the-Box and Fair-Chance Hiring Laws: What Job Seekers and Employers Must Know in 2025

Wrong information on your Checkr report? Disputes often stall or go unanswered. Learn how to fix errors, avoid arbitration, and protect your rights under the FCRA.

An in-depth examination of the statutory architecture of 15 U.S.C. § 1681s-2(b), focusing on the notice trigger, the role of consumer reporting agencies, and the mandatory duties imposed on furnishers. By Consumer Attorneys PLLC.

What makes information a “consumer report” under the FCRA? This article breaks down the statute step by step, showing how purpose and use transform data into a regulated consumer report.

Learn about how the FCRA defines consumer reporting agencies and why function, not labels or disclaimers, determines coverage.

Do You Know Who Really Owns Your Credit Score? (Hint: It's Not You)

Discover how high your credit score should be before you begin to buy a car. Depending on your daily activities, you might need access to a vehicle.

Consumer Attorneys explains the time it takes for background checks to complete and what you can expect along the way.

See what, if any, is the ideal credit score for someone who is 30 years old. It’s natural for us, as humans, to compare things. We compare everything from clothes to cars.

Consumer Attorneys has helped countless victims of credit reporting inaccuracies and is here for you.