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Fair Credit Reporting Act (FCRA) is a federal law that protects consumers against unfair, inaccurate credit reporting and gives consumers the right to examine their own credit history.

The FCRA bars credit bureaus from reporting negative information that is older than seven years, with the exception of a bankruptcy, which may remain on consumers credit report for 10 years.

It also requires credit bureaus to investigate any alleged errors in credit report and remove inaccuracies within 30 days.

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