Serving MD, DC, & VA

1997 Annapolis Exchange Parkway Suite 300
Annapolis, MD 21401



 Credit Protections Under FCRA:


  • Privacy Protection – A consumer reporting agency may only provide information about you to people with a valid need – usually a
  • Landlord
  • Creditor
  • Insurer
  • Employer
  • Accuracy of Information – You have the right to dispute inaccurate or incomplete information in your file with the consumer reporting agency and the agency must investigate your legitimate dispute.
  • Timeliness of Information – In most cases, a consumer reporting agency may not report negative information that is more than seven (7) years old, or bankruptcies that are more than 10 years old.
  • Access to Information – You have the right to know what is in your file. You are entitled to a free disclosure
  • Once every 12 months –
  • A person has taken an adverse action against you because of information on your credit report.
  • You are the victim of identity theft and place a fraud alert on your file.
  • Your file contains inaccurate information as a result of fraud.
  • You are unemployed but expect to apply for employment within 60 days.