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The Federal Trade Commission's Fair Credit Reporting Act of 1971, and its amendment in 2003, the Fair and Accurate Credit Transactions Act (FACTA) are the Federal Laws that regulate the use of credit reports.

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Q: What federal law regulates the use of credit reports?
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What federal law regulates you right to access data contained in federal agency files?

The FCIC regulates an individual's rights to access data contained in federal agencies. See http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre04.shtm


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Freecreditreport.com provides a service in which you can view your credit reports online! Federal law says consumers have the right to view their credit report for free, once every twelve months.


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The Federal Government passed a law so all consumers have free access to all of their credit history. They regulate these companies so they can not charge the consumers for this right. www.spendonlife.com/guide/fair-credit-reporting-act


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I need phone numbers for free credit reports?

Annualcreditreport.com is the website to use for your one free credit report allowed per year pursuant to Federal law. Below is the toll-free number listed on that site. 1-877-322-8228