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FCRA Section Map for Owners (604, 605, 605B, 609, 611, 623)
A plain-English map of the FCRA sections credit repair owners use most, with what each one does in practice.
What is inside
- Section-by-section table: 604, 605, 605A, 605B, 609, 611, 623
- Which section answers which question in a dispute file
- Where bureaus and furnishers each owe duties
Who it is for: Credit repair owners and new operators who need to know which FCRA section governs which step of a dispute.
Questions
Is Section 609 the same as 15 U.S.C. 1681g?
Yes. Section 609 of the FCRA is codified at 15 U.S.C. 1681g and covers disclosure of the consumer's file.
How long does a bureau have to reinvestigate?
Section 611 generally sets 30 days, with a limited extension in some situations. Verify the current text and how the period is counted.
SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.