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Glossary and terms about credit cardsHome » Credit Card Glossary
Fair Credit Reporting Act
The Fair Credit Reporting Act was enacted to govern how credit bureaus maintain, share and correct information in credit reports. It sets out, for example, a method by which consumers can force inaccurate information to be removed from credit files. Individuals are also given the right to examine their own credit history due to the FCRA. It also bars credit bureaus from reporting negative information that is older than seven years, with the exception of a bankruptcy. Bankruptcies may remain on your report for ten years.