Credit bureaus and the businesses that report to credit bureaus have a lot of control over what goes in your credit report, but so do you.
The Fair Credit Reporting Act is a Federal law that gives every consumer certain rights regarding their credit reports. For example, you have a right to view your credit report. Several years ago that wasn't the case. And if there's inaccurate information on your credit report, you have the right to dispute it.
With more businesses using credit reports to evaluate you, it's important that you know what power you have with your report. Find out more of your credit report rights granted by the FCRA.