Credit Report Problems

Credit Report Problems

The Fair Credit Reporting Act in Minnesota

The state of Minnesota has no statute governing credit reporting or the credit reporting agencies.  There is, however, a statute that governs those companies that consider themselves “credit repairers” and those companies must follow strict rules for providing disclosures to consumers and allowing consumers to opt out of a contract.  

As it pertains to information that may appear on an employment background check, Minnesota Statutes 2003 13C.02 provides that disclosure must be provided to the consumer in writing if an employer intends on using a consumer report, and the disclosure must provide an option for the consumer to receive a copy of the report as well.  This law was enacted in 1993 and is therefore effective. 

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.