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VIDEO: Fair Credit Reporting Act – Georgia Car Law Authority

By March 3, 2022No Comments

In this brief video, we have a high-level discussion of the Fair Credit Reporting Act.

As I say in the video, the act itself could take 3 years of law school to understand, so I am sorry in advance for not going too deep into it (trust me, you would need a lot of Advil). Check out the video for more.

Below is a transcript of the video:

Just like our last video on the FDCPA, we’re gonna do a quick one on the Fair Credit Reporting Act, the FCRA. The Fair Credit Reporting Act governs the reporting of credit on a consumer’s credit account. Equifax, TransUnion, Experian, the big players in credit, what’s allowed to be reported and not, and how the reports have to go. Also withdrawing a tradeline or canceling a tradeline in the event that a negotiated settlement involves the resolution of a particular trad

Fair Credit Reporting Act

eline, so that’s the Fair Credit Reporting Act.

The Fair Credit Reporting Act could be three years of law school, so I’m not going to get into it any deeper than that.

The FCRA, the Fair Credit Reporting Act, governs the reporting of credit from a consumer on their credit score or on their credit report, their credit history. It governs a whole lot of other things relating to credit as well but the biggest one is that reporting to the credit of a consumer’s tradeline.


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