The Fair Credit Reporting Act (FCRA) is a federal law designed to protect consumers' personal and financial information collected by credit reporting agencies. At Doorstep Auto, we operate in full compliance with the FCRA to ensure your credit data is handled lawfully, fairly, and transparently especially when helping you secure auto financing.

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Key Points of the FCRA:

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Accuracy & Fairness

The FCRA ensures that the information in your credit file is accurate, complete, and up to date. You have the right to dispute any incorrect or outdated information.

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Right to Access

You are entitled to one free credit report per year from each of the three major credit

bureaus: Equifax, TransUnion, and Experian. This allows you to review your financial history and take control of your credit health.

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Privacy Protection

Your credit report can only be accessed by authorized parties and only for legitimate purposes such as applying for financing or credit approval. Doorstep Auto accesses your credit file only with your consent.

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Pre-Screened Offers

You have the right to opt out of pre-screened credit and insurance offers. Visit optoutprescreen.com or call 1-888-567-8688 to stop receiving them.

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Identity Theft Safeguards

The FCRA includes tools to help protect consumers from identity theft, including placing fraud alerts and credit freezes on your file.

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Your Credit Score

You have the right to request your credit score from a credit bureau. While it may not be free, it must be made available upon request.

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Consumers Have the Right to a Security Freeze

You have the legal right to place a security freeze on your credit report. This means a credit reporting agency cannot release your credit information without your express permission.

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​A security freeze is a great way to protect yourself from identity theft or unauthorized use of your credit, especially if you’re not actively applying for loans or credit. It stops lenders from viewing your credit report unless you lift the freeze yourself.