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Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (FCRA) is a federal law that protects you against unfair, inaccurate credit reporting and gives you the right to examine your own credit history. The FCRA bars credit bureaus from reporting negative information that is older than seven years, with the exception of a bankruptcy, which may remain on your report for 10 years. It also requires credit bureaus to investigate any alleged errors on your report and remove inaccuracies within 30 days.

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