Section 609 of the Fair Credit Reporting Act

Section 609 of the Fair Credit Reporting Act grants individuals the right to access the information in their credit reports. It allows consumers to request a free copy of their report from credit bureaus once every 12 months, or more frequently in certain circumstances, such as identity theft or debt collection. Consumers can review their report for accuracy, ensure no unauthorized information is included, and dispute errors. This section promotes transparency and helps individuals monitor their financial health by maintaining control over their credit information.