Consumer Reporting Agency (CRA)

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Consumer Access

Ability for consumers to request and obtain copies of their credit reports

Data Security and Privacy

Adherence to strict standards to prevent unauthorized access to consumer credit information

Credit Reporting

Collection of information about consumers' credit history, borrowing, repayment behavior, and outstanding debts to generate credit reports for lenders

Consumer Reporting Agency (CRA)

Company that collects, maintains, and provides consumer credit information to creditors, employers, and landlords

Credit Scoring

Numerical representation of an individual's credit risk

Compliance and Regulation

Obligation to adhere to standards set by Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC)


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