OUTDATED NEGATIVE INFORMATION MAY NOT BE REPORTED.
In most cases, a consumer credit reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old.
ACCESS TO YOUR FILE IS LIMITED.
A consumer credit reporting agency may provide information about you only to people with a valid need as determined by the FCRA — usually to consider an application with a creditor, insurer, employer, landlord or other business.
IDENTITY THEFT VICTIMS AND ACTIVE-DUTY MILITARY PERSONNEL HAVE ADDITIONAL RIGHTS.
Victims of identity theft have new rights under the FCRA. Active-duty military personnel who are away from their regular duty station may file “active duty” alerts to help prevent identity theft.
For more information, go to www.ftc.gov/credit, or write to: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580