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.

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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, Articles & Press Releases


Credit Reports Comments and Testimony


Credit Reports Letters


Policy Analysis Archive


  • Amicus brief supporting Plaintiff/Appellant in Henderson v. the Source for Public Data, Oct. 15, 2021
  • Amicus brief supporting the State of Maine in CDIA v. Frey, Jan. 26, 2021
  • Amicus brief supporting Plaintiff/Respondent in Ramirez v. TransUnion
  • Amicus brief in State of Washington, et al v. US Department of Homeland Security, et al.
  • Amicus brief in Cook County, IL and IL Coalition for Immigrant and Refugee Rights v. Chad F. Wolfe, et al., Jan. 24, 2020
  • Amicus brief of NCLC and Legal Aid Justice Center in City and County of San Francisco and County of Santa Clara v. US Dept. of Homeland Security et. al., January 23, 2020
  • Amicus brief of NCLC and Legal Aid Justice Center in State of California et. al. v. US Dept. of Homeland Security et al., January 23, 2020
  • Robinson v National Student Clearinghouse, April 18, 2019 Complaint

Consumer Information