California Consumer Privacy Act Basics
The California Consumer Privacy Act (CCPA) is a state law that provides California residents rights when dealing with businesses that collect and sell their personal information.
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Specialty Consumer Reports Basics
A specialty consumer report (compiled by a specialty consumer reporting agency) may include
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Social Security Number Basics
A Social Security number (SSN) is a nine digit identification number that has become a universal identifier for both the government and the private sector in the U.S.
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Gramm-Leach-Bliley Act Basics
The Gramm-Leach-Bliley Act (GLB)—also known as the Financial Services Modernization Act of 1999—repealed laws that prevented the merger of banks, brokerage companies and insurance companies. Read More
Fair Credit Reporting Act Basics
The Fair Credit Reporting Act (FCRA) is a federal law that was enacted to promote the accuracy, fairness and privacy of information in credit reporting agency files. Various federal agencies enforce and write rules implementing the FCRA. Read More
Credit Score Basics
A credit score is a numerical value or categorization a lender uses to predict the likelihood of certain credit behaviors (i.e. default). A credit score may also be used to determine the credit terms or rate a person pays for a loan. Read More