NEW JERSEY FAIR CREDIT REPORTING ACT

The Fair Credit Reporting Act in New Jersey


New Jersey Fair Credit Reporting Act (NJFCRA) is a law that in combination with the Fair Credit Reporting Act or (FCRA) forces creditors and the crediting reporting agencies to accurately report and investigate credit reports disputes and notices given to employees.

New Jersey Fair Credit Reporting Act Rights for Employees

N.J. Stat. §§56:11‐29‐ 56:11‐41


Under the NJFCRA an employer, before taking adverse employment action, is required to provide the applicant or employee with a summary of their rights under the NJFCRA with respect to consumer reports or investigative consumer reports obtained for employment purposes from a consumer reporting agency (CRA). 


You have the right to consent to all ow a business to pull your credit file.

If you are denied credit you have a right to review the information provided.

You have a right to dispute anything on your credit report that is wrong.

The CRAs must investigate your concerns. 

Common FCRA Errors 

  • Too old to be on your report (generally 7 years)
  • Information that is inaccurate
  • Identity fraud
  • Merged with another person's credit files


Do You Have a Claim under the Federal or New Jersey Fair Credit Reporting Act?

Contact the law office of Joseph P. McClelland to see if we can help you right now.

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