Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year — two years for employment related requests.
FAQs: Fair Credit Reporting Act
Contact the CRAs listed under “credit” or “credit rating and reporting.” Because more than one CRA may have a file on you, call each until you locate all the agencies maintaining your file. The three major national credit bureaus are:
P.O. Box 740241
Atlanta, GA 30374-0241
P.O. Box 2104
Allen, TX 75013
(888) EXPERIAN (888-397-3742).
P.O. Box 1000
Chester, PA 19022
In addition, anyone who takes action against you in response to a report supplied by a CRA — such as denying your application for credit, insurance, or employment — must give you the name, address, and telephone number of the CRA that provided the report.
The Fair Credit Reporting Act (FCRA), a federal law, was created to help protect the privacy of information in the files and reports that are created by each “consumer reporting agency” (CRA). This information shows whether or not you pay your bills on time, what credit accounts you have open or closed, and your long term payment history.
In addition the report provides personal information including social security number, address, phone number and place of employment. If you apply for a credit card, bank or other loan, or seek housing through rental, those you apply to will need to see your report. The FCRA gives you specific rights, some are outlined below. You may have additional rights under state law.