Need to do an online background check quickly? Find the phone number or address of someone you lost contact with? Or maybe look up an only marriage or divorce record. Do it all here.

What is FCRA (Fair Credit Reporting Act) ?


FCRA, those magic letters that so often appear for background check websites. Most of us know the simple disclosure listed on the bottom of the page. For example, "Because Persopo.com is not a Consumer Reporting Agency as defined by the Fair Credit Reporting Act (FCRA), you must not use this site if you are searching for a person because you are considering them for employment, credit or insurance eligibility, tenancy, or any other reason that would require FCRA compliance."

But do we know exactly what it means?

As stated above, FCRA stands for the Fair Credit Reporting Act . This is a law that was enacted in 1970 to protect consumers from unfair credit decisions. It has had several changes made to it over the years to include rights for employment, tenancy, even insurance! But like so many other laws it has not been given the publicity to make the average American aware of it.

Under this law, everyone has the right to know what information is being used in regards to the collection, dissemination and use of consumer information, including that person’s credit profile. The fact is that background checks use several different methods to obtain information about you. FCRA compliant reports require written consent of the applicant and take in a social security number. This allows finding everything that is attached to that social security number. These are most often used for employment, tenancy and credit situations.

(Persopo.com's goal is to provide easy online access to public record information in a fast, safe, and affordable manner. Because Persopo is not a Consumer Reporting Agency as defined by the Fair Credit Reporting Act (FCRA), you must not use this site if you are searching for a person because you are considering them for employment, credit or insurance eligibility, tenancy, or any other reason that would require FCRA compliance. Learn more by visiting our Terms of Service and Privacy Policy.)
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