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LSDefine

Simple English definitions for legal terms

FCRA

Read a random definition: unfriendly suitor

A quick definition of FCRA:

The FCRA is a law that tells companies who collect information about people's credit how they can use and share that information. It also gives people the right to see their own credit report, correct any mistakes, and limit who can see their information.

A more thorough explanation:

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how credit bureaus collect, access, use, and share information about individuals and businesses. The FCRA includes rules about:

  • Disclosing credit reports to individuals upon request
  • Limiting who can access credit information
  • Providing opportunities to dispute and correct inaccurate data in credit reports

For example, if you apply for a loan or credit card, the lender may request a copy of your credit report from a credit bureau. The FCRA requires the credit bureau to provide the lender with accurate information and to give you a copy of your credit report if you request it.

If you find errors in your credit report, the FCRA gives you the right to dispute the errors with the credit bureau. The credit bureau must investigate your dispute and correct any errors within a certain timeframe.

FCBA | FDCPA

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General

General chat about the legal profession.
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got a random stanford email and almost had a heart attack
ALSO CONGRATS!
Congrats1!
21:15
Miami A, yall I'm so excited I could cry.
21:15
Feel like I can finally stop holding my breath!! Whew!!!
[] baddestbunny
22:16
every time I get accosted by a strange man who follows me around because my male coworkers were too busy talking to walk me back to my car I get closer to saying we need to bring back traditional gender roles
Dkk
22:32
Nice! @Macaque
Dkk
22:32
@Aromatic, Have to guess.
Dkk
22:33
That sucks @Bunny do you have to go to the hospital?
[] baddestbunny
22:40
I said accosted not assaulted
23:35
guys. my notre dame address just went long is this good or bad
1a2b3c4d26z
23:37
Oooooo me too
23:37
omg is this good or bad
Dkk
23:47
Idk if gender roles are gunna fix that then.
23:49
it looks like most people who applied in october last cycle didn't get a decision until january... does it even mean anything that our addresses went long??
hows ED 2 compared to ED 1?
Dkk
0:10
No idea
windyMagician
0:34
reporting live to say my ndls address also went long
does it mean anything ^
Dkk
2:21
NDLS and Fordham took a very long time last year. It's good info for people to know.
[] baddestbunny
4:29
let’s get after it boys and girls
Dkk
5:21
I gtg to bed soon.
Dkk
5:22
Big day today. Gunna be a crazy one. I will sleep through the first half.
good morning lsd it is 5 am EST
also jazzy my ndls address went long ages ago i sadly do not think it means anything
my stanford address also went long LOL i think at most it's an indicator it's under review
WorthlessAttractiveZombie
7:44
My berkeley paragraph finally disappeared. I definitely think it is just an indicator that they are actively reviewing files, and does not mean anything about A, WL, or Rs
WorthlessAttractiveZombie
7:46
Also has anyone's date disappeared for W&L? Mine did last night
7:55
@WorthlessAttractiveZombie: mine did yesterday morning
7:56
Oops sorry I meant Vilanova. Mine disappeared last week
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