Fair Credit Reporting Act

Table of Contents

Purpose and Contents - Topic 1

Policy Statement - Topic 2

Fair Credit Reporting Act Background/Requirements - Topic 3

Definitions - Topic 4

Structure of Accountability - Topic 5

Obtaining Consumer Reports - Topic 6

Disclosure Requirements - Topic 7

Adverse Information Procedures - Topic 8

Credit Score Disclosure Procedures - Topic 9

Identity Theft Program Policy - Topic 10

Repollution Procedures - Topic 11

Fraud and Active Duty Alert Procedures - Topic 12

Notice of Negative Information Procedures - Topic 13

Prescreen and Opt-Out Disclosure Procedures - Topic 14

Sharing Information with Affiliates and Others - Topic 15

Disputed Information - Topic 16

Medical Information Procedures - Topic 17

Duties of Card Issuers Regarding Changes of Address - Topic 18

Affiliate Marketing Policy - Topic 19

Audit Policy - Topic 20

Staff Training - Topic 21

Retention of Documentation - Topic 22

Includes the FACTA/FCRA Final Rules:

Address Discrepancies

Affiliate Marketing

Credit Score Disclosures

Identity Theft Program

Repollution Procedures

Fraud and Active Duty Alerts

Notice of Negative Information

Prescreen Opt-Out Notice

Medical Information

Red Flag Procedures

This includes the following form templates:

Credit Score Information Disclosure Form (1 page)

Fair Credit Reporting Act Sample Opt-Out Notices (5 pages)

Identity Theft Affidavit Packet (9 pages)

Prescreen Opt-Out Notice Examples (2 pages)

Recent updates to this product:

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