Credit Report Problems

Credit Report Problems

The Fair Credit Reporting Act in California

California has a number of laws that protect consumers, and probably the biggest catalogue of consumer protection laws in the country.  

There is the Consumer Credit Reporting Agencies Act  (CA Civil Code 1785.13.6) which deals with records of arrest and indictment and they  must be removed after 7 years, but when it is determined that no conviction resulted or there was a pardon, the item must be removed.  Also, §1785.20.5 deals with providing consumer reports for employment purposes and provides requirements for the potential employer to give notices to the consumer.  However, the laws were created in 2003 and therefore we are of the opinion that the Fair Credit Reporting Act nullifies these statutes.

Contact SmithMarco, P.C., Today

If you have an error or inaccurate information on your credit report, there are actions that you can take. Contact SmithMarco, P.C., today for a completely free case review.