The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information used in the process of granting credits. This information is supplied by public record sources, credit grantors and others to credit reporting agencies (CRA’s) who organize and store that information for distribution to credit grantors, employers and insurers who are making credit, employment and insurance decisions about you. The FCRA gives suppliers and users credit information and CRA’s specific responsibilities in connection with their respective roles in the credit granting and reporting process. The FCRA also gives you specific rights in dealing with these entitles, as summarized below. You can find the complete text of the FCRA, 15 U.S.C. 1681 et seq., at the federal Trade Commission’s web site (http://www.ftc.gov). You may have additional rights under Texas law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.
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