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Handling Consumer Credit Data

The Fair and Accurate Credit Transactions Act (FACT Act) amended the existing regulations governing how consumer credit data must be handled. CoreLogic Credco credit reports are fully compliant with the FACT Act.

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The amendments were designed to make improvements in three major areas:


The laws under the FACT Act are designed to help consumers get easier access to their credit files with the national credit bureaus.


Many of the provisions are geared toward providing more comprehensive protection against identity theft and fraud.


Because the quality of a consumer’s credit can largely affect their ability to purchase a car, or to get other types of financing, the FACT Act also aims at improving the accuracy of credit report information.