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A credit score disclosure alerts a consumer about their credit score and other sources of information as required by the Fair Credit Reporting Act (FCRA). The FCRA is a U.S. government legislation that aims to protect consumer information that is collected by consumer reporting agencies or credit bureaus.
An FCRA disclosure is a statement provided to individuals to inform them that a consumer report may be obtained for employment purposes, as required by the Fair Credit Reporting Act.
The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.
Under section 609(a), a consumer reporting agency must, upon request, clearly and accurately disclose to the consumer [a]ll information in the consumers file at the time of the request and [t]he sources of the information. This requirement applies to all consumer reporting agencies.
The Act provides that a clear and conspicuous disclosure shall be made in writing to the applicant before the report is procured, that a consumer report may be obtained for admission/reinstatement purposes and the applicant shall authorize the procurement of the report in writing.
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Each disclosure must be standalone, meaning that it is in a document that consists solely of the disclosure. By combining both disclosures into a single document, the Ninth Circuit found that the employers disclosure form violated both federal and state law because it failed to meet the statutes clear and

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