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Fair Credit Reporting Act (FCRA)

A federal law that regulates how consumer credit information is collected, accessed, used, and distributed. It aims to promote accuracy, fairness, and privacy of consumer information.

Consumer Report

A document, often called a credit report, containing information about a person's credit history and financial reliability. Lenders, landlords, and employers often use these reports.

Medical Debt

Money owed for healthcare services, products, or devices received, such as hospital stays, doctor visits, or prescription drugs.

Bureau of Consumer Financial Protection (CFPB)

A U.S. government agency responsible for protecting consumers in the financial marketplace by enforcing federal consumer financial laws and providing consumer education.

Creditor

A person or company (like a bank or credit card company) to whom money is owed, usually for goods or services provided on credit.