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Consumer report (FCRA)

Consumer report (FCRA): A consumer report, under the federal Fair Credit Reporting Act (FCRA), is information from a consumer reporting agency about a person’s creditworthiness, character, reputation or personal characteristics that is used or expected to be used in deciding eligibility for credit, insurance, employment or other permitted purposes.

A consumer report, under the federal Fair Credit Reporting Act (FCRA), is information from a consumer reporting agency about a person’s creditworthiness, character, reputation or personal characteristics that is used or expected to be used in deciding eligibility for credit, insurance, employment or other permitted purposes.

The distinction matters for lenders and others who use market data. DDSIntel describes practice-level transition readiness and observed signals about businesses from public records, and publishes only aggregates in public. This entry is general information, not legal advice; have counsel review how the law applies to a particular use.

Part of the DDSIntel glossary. See how the figures are built in the methodology. Markdown version: /glossary/consumer-report-fcra.md.

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