The FCRA, or Fair Credit Reporting Act, is a federal law enacted by Congress in 1970 to promote accuracy, fairness, and privacy in the information maintained by consumer reporting agencies. In simple ...

Rajeev Dhir is a writer with 10+ years of experience as a journalist with a background in broadcast, print, and digital newsrooms. Betsy began her career in international finance and it has since ...

How to remove negative items from your credit report yourself First, it’s important to know your rights when it comes to your credit history. Under the Fair Credit Reporting Act (FCRA), credit bureaus ...

Debts in collections typically stay on your credit report for seven years and can harm your score for as long as they appear. Some credit repair tactics can potentially get collection accounts taken ...