The Fair Credit Reporting Act applies to:

Question

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The Fair Credit Reporting Act is a federal law that applies to consumer credit. Its purpose is to promote the accuracy, fairness, and privacy of information in credit reporting files maintained by consumer reporting agencies. It applies to credit reports generated for individuals, including those related to credit cards, mortgages, and car loans. It does not apply to commercial credit or business credit. It also does not apply to international sales contracts, as it is specific to credit reporting in the United States.

The Fair Credit Reporting Act Applies To