The Fair and Accurate Credit Transactions Act (FACTA) helps consumers fight identity theft by allowing them to issue a one-call fraud alert to one of the three major credit reporting agencies. If one of the agencies receives such a fraud alert, it must then notify the other two major reporting agencies. This puts these agencies on notice that someone may be illegally accessing another person’s credit.

• What is phishing?
• What are some ways to prevent identity theft?
• How can you protect yourself from identity thieves?
• What is identity theft?
• What is credit insurance?
• How long does negative information stay on my credit report?
• Can companies purchase copies of credit reports?
• If a credit reporting agency unfairly refuses to correct a mistake, can you sue?
• If there is an error on your credit report, what do you do?
• If a consumer disputes information on his or her credit report must that be included in the credit report?
• Do credit reports contain credit scores?
• Can a credit report include bankruptcies, lawsuits, and arrests?
• Can a consumer reporting agency send a credit report to prospective employers?
• Does the Equal Credit Opportunity Act (ECOA) prohibit credit discrimination based on sexual orientation?
• How do you prove credit discrimination?
• Recently a creditor denied me credit for what I believe was because of my race or gender. Do I have any recourse?
• What is the difference between a secured and unsecured creditor?
• What is the Fair Credit Reporting Act
• Can consumers view their credit scores?
• What is a credit score?