FCRA

The Fair Credit Reporting Act ya1970

Iko Fair Credit Reporting Act ye1970 inodzora kukohwa, kushandiswa, uye kugoverwa kwevabereki vako ruzivo. Yakagamuchirwa 26 Gumiguru 1970 sechinyorwa VI cheMutemo Mutemo 91-508, 84 Stat. 1114, inogona kuwanikwa muUnited States Code (15 USC § 1681 uye seq.) Inomirira kuchinjwa kuMutengi weKutengesa Kodzero yeMutemo muna 1968, uye inosimbiswa neFTC . Mutemo unowanzozonzi FCRA , uye iwe unogona kuwana kopi yacho kubva kuFTC, kana iwe unogona kuona mutemo sezvaunomira muU.S. Code papepaiti yeColell University Law School .

Pakutanga, mutemo wainyanya kufarira mabhengi uye masangano ekubika vatengi (CRA), uye mabhizimisi akatumira mashoko kwavari. Nhasi, mutemo uyu unoshanda kumarudzi akasiyana-siyana anounganidza ruzivo rwehupenyu kubva kwauri zvakananga, uye kubva kumabhuku evanhu.

Mutemo wakagadziridzwa muna 2003 ne Fair and Accurate Credit Transactions Act (FACTA) kubvumira vatengi kuwana mharidzo yepachena kubva kumabhidha ekubika vatengi ayo akafukidzwa ne FCRA. Nenguva iyo, zvisinei, urongwa hwevashandi vekubika vatengi hwakanga hwakura zvikuru. ICAFRA inotsanangura masangano anofanirwa kutevedzera mutemo nemhando yemashoko anobatwa. Sezvo chikwereti chikwereti chakawedzera kutsvaga kwavo kwekodzero yekukwereta kuisa zvinhu zvakadai sekushandiswa kwemari nemari yekurenda, masangano anounganidza rudzi urwu rwehuwandu akabatanidzwawo.

Kazhinji, FCRA inoti iwe unogona kuona chero ruzivo rupi neRA ine mune faira yavo kwauri, uye kuti une kodzero yekupikisa mashoko asina kukodzera mufaira iroro.

Kana iwe ukakavhiringidza chimwe chinhu, FCRA inotaurira kuti mhirizhonga yacho inogadziriswa sei, uye kana ruzivo rwakasunungurwa rwakabviswa, ivo vanofanira kukuzivisa iwe mukati memazuva mashanu kana mashoko acho akadzoserwa mufaira rako.

Kana iwe uri chibharo chekuziva, asi chikamu chakakosha che FCRA chikamu 609 (e). Iyi ndiyo chikamu chinoti kana kambani yakaita bhizinesi nemumwe munhu achishandisa ruzivo rwako (mune mamwe mazwi, mubavha wekuziva uyo anoti iwe ndiwe) iyo kambani inofanira kukupa zviyero zvose uye zvinyorwa zvebhizimisi zvakaitwa muzita rako.

Zvisinei, makambani akapa ruzivo rwevarwere vakavhiringidzika kushungurudzika pamusoro peizvi. Mamwe makambani anoti haakwanisi kusunungura zvinyorwa nokuti ivo vane dzimba, vamwe vangati havangakupei ruzivo kunze kwekuraira mudare. Vashomanana vakatosvika kure kureva kuti havangagoni kupa ruzivo irworwo nokuti vanofanira kuchengetedza ruzivo rwevatengi vavo (chenjerera kuti varege kuputika pavanokuudzai izvozvo.) Dambudziko rakazara, kuti FTC yakanyora bhurocha rinonyatsotarisa nyaya iyi. (Cherechedzai: FTC yakatambudzwa Feb 17, 2012, uye yaifanira kutora bhurocha rebhurocha iri kusvikira vasangana nekutambura. Havana kupa nguva apo iyi ichadzoka.) Vakagadzirawo tsamba iwe unogona download kutumira kune kambani kana iwe uchida kuwana marekodhi aya.

FCRA inotsanangura kuti idzi marekodhi anokwanisa kupiwa kwauri, uye kumushandi wepamutemo wekutevedzera mutemo waunenge uchitaura - izvo zvingangodaro ari muchengeti anotarisa munyaya yako (achifunga kuti une imwe.)

Rimwe ripi iro FCRA inopa vashandi ndeyokuti inobvumira vagari vega voga kuti vatsigirire mhosva yavo pachavo kune "chero nyika yose inoshandiswa kuburitsa vhidhiyo" iyo iri kuputsa mutemo muhurumende kana kumatare ehurumende.

Murairo wekukanganisa kune makore mashanu mushure mekunge mhosva inenge yakagadziriswa neshure, kana makore maviri mushure mekuwanikwa, chero ipi zvayo shoma. (Mune mamwe mazwi, kana iwe usingawani kutyora kwemakore matanhatu, hauzokwanisi kutora suti nokuti shoma raizova makore mashanu, uye ingadai yapfuura.) Makambani anoziva kuti akanganisa FCRA vangakwanisa kuva nedare rakadzingwa nekuzivisa vashandi vavo nezvekanganiso, nokuti izvi zvingaita kuti vatengi vave nehwindo remakore maviri panzvimbo iyo, mushure mokunge vangave vakapikisa kuti mutemo wekukanganisa wapfuura.