Know your rights
under the FCRA.
Tap each card to reveal a right the Fair Credit Reporting Act gives you. Then take the quick quiz.
Tap to flip
Test yourself
1A bureau verifies a disputed account but cannot show it is accurate. What should happen?
Under § 1681i(a)(5)(A), information that cannot be verified must be deleted or corrected.
2How long do bureaus generally have to reinvestigate a dispute?
§ 1681i generally requires a reasonable reinvestigation within 30 days (45 in some cases).
3Who must investigate a dispute besides the credit bureau?
Furnishers have their own investigation duty under § 1681s-2(b) once notified by the bureau.
4You were denied a loan based on your credit report. The lender must…
§ 1681m requires an adverse action notice so you can get a free copy and review it.
5How long can most negative items stay on your report?
§ 1681c sets reporting time limits—about 7 years for most negatives, up to 10 for bankruptcy.
Educational only. These activities explain how credit and consumer-protection laws generally work. They are not legal or financial advice, and no outcome is guaranteed. For your own case, use your secure portal or speak with a qualified professional.