Credit Reporting Bureaus -

: Bureaus are required to remove or correct negative information that cannot be verified .

: Consumers are entitled to one free copy of their credit report annually from each bureau through AnnualCreditReport.com. credit reporting bureaus

Because the data held by these bureaus is so influential, it is strictly regulated in the United States by the Fair Credit Reporting Act (FCRA) . Passed in 1970, the FCRA provides critical protections for consumers, including: : Bureaus are required to remove or correct

: Most negative information must be removed from a report after seven years, while bankruptcies may stay for ten. The Power of Choice and Security Companies List | Consumer Financial Protection Bureau credit reporting bureaus