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The Fair Credit Reporting Act (FRCA) was enacted in 1970 and was last amended in 2003 to protect your credit information and restrict who is able to access it and for what purpose.
Now of course, because student loans are a debt, they go on your credit report under the FRCA.
Let’s first look at a quick summary of your rights under the FRCA. (There is a longer, more detailed PDF version from the Federal Trade Commission you can download and read if you would like).