This course is to help you understand the FCRA and how to use it when you are reviewing your consumer reports as well as your credit report. In order to understand what should be on your credit report, you have to first understand what belongs on the report and how it shall be reported. The Fair Credit Reporting Act gives us that outline.

In this session, we covered the fundamentals of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) with a focus on 15 U.S.C. § 1692g (Debt Validation Notice) and 15 U.S.C. § 1681i (Consumer Dispute Procedures). Participants learned their rights under these laws, how to challenge inaccurate information on their credit reports, and the proper steps debt collectors must follow when attempting to collect a debt. This class provided essential knowledge for consumers looking to protect themselves from unfair credit reporting and debt collection practices.