The Fair Credit Reporting Act is a Federal Law (in the U.S.) that protects the privacy of certain information distributed by consumer reporting agencies (CRAs). Most CRAs are credit bureaus that gather and provide information about you, such as if you pay your bills on time or have filed for bankruptcy, to creditors and other businesses. Under the law, credit bureaus and other CRAs can release your information only to those third parties that have certified that they have a purpose permitted by the law to obtain your consumer report, such as to evaluate your application for credit, insurance, or employment, or to rent you an apartment.

ChexSystems is also a CRA and is regulated by the Fair Credit Reporting Act.

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Related ChexSystems Banking Information:

1. Consumer Reporting Agencies
2. On ChexSystems List? Know Your Rights Under the Fair Credit Reporting Act
3. Free Annual Credit Report
4. Credit Report
5. Credit Score