Credit Report Problems

Credit Report Problems

The Fair Credit Reporting Act in Indiana

Indiana has enacted a law in 2012 (IC 16-27-2) that provides limits on the type on information that can be reported in a background check.  An infraction or arrest that did not result in a conviction, an expunged record, or traffic citations may not be reported on a background check.   However, as this law has been enacted in 2012, it is a nullity next to the Federal Fair Credit Reporting Act.   While typically traffic citations do not get reported on background or credit reports, there are reports that would report this information – if a person was looking for a job as a driver.  Under the FRCA, mere arrests that do NOT result in convictions may be reported for up to 7 years from the date of arrest. 

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.