Fair Credit Reporting Act in Texas

Texas Fair Credit Reporting Act Information

Texas's law is basically the same as federal Fair Credit Reporting Act.


Does the state of Texas have any valid credit reporting laws to get false items off of your credit report?

No, the state of Texas does not have any additional credit reporting laws than those under the FCRA. The is because the federal law won't all low a state law to contradict it.


Does the state of Texas have any valid credit reporting laws to stop employers from reviewing my credit report?

No, the state of Texas does not have any valid, additional credit reporting laws than those under the FCRA. Your main source of rights will be the FCRA. But, that is okay. The FCRA gives you powerful rights to dispute and demand accurate reports.


What does that mean?

Well, that said if you live in Texas you will rely entirely on the federal Fair Credit Reporting Act. This act requires credit reporting agencies to maintain credit reports that are accurate. And, the reports must be complete.


It also provides that if a consumer disputes information, the credit bureaus notify the business that of the dispute and they are disputing it. 


That business must do to a reasonable investigation into its own documents to see if the information they're reporting is correct or wrong. Also, then, they must provide the results to the credit reporting agencies.


If the information has not been corrected, you may be entitled under the Fair Credit Reporting Act.


Can You Sue under the Fair Credit Reporting Act if You Live in Texas ?

Yes. You have the right to file a lawsuit for damages for violations of the Fair Credit Reporting Act. There are time limits, so you should take action now.


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