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  • A summary of your rights under the Fair Credit Reporting Act: You must be told if information in your file has been used against you. You have the right to know what is in your file. You have the right to ask for a credit score. You have the right to dispute incomplete or inaccurate information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
  • Consumer reporting agencies may not report outdated negative information. Access to your file is limited. You must give your consent for reports to be provided to employers. You may limit pre-screened offers of credit and insurance you get based on information in your credit report. You may seek damages from violators. Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit.