FCRA
FCRA
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Exam (elaborations)
FAIR CREDIT REPORTING ACT (FCRA) EXAM QUESTIONS AND ANSWERS. VERIFIED 2025/2026.
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---16December 20252025/2026A+
- FAIR CREDIT REPORTING ACT (FCRA) 
EXAM QUESTIONS AND ANSWERS. 
VERIFIED 2025/2026.
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Brainbarter
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Exam (elaborations)
FCRA Basic Certification - Advanced (Version 1) ACTUAL UPDATED QUESTIONS AND CORRECT ANSWERS
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---17December 20252025/2026A+
- FCRA Basic Certification - Advanced 
(Version 1) ACTUAL UPDATED 
QUESTIONS AND CORRECT ANSWERS 
True/False: Resellers maintain their own database of information, which they combine with 
information from other CRA's - CORRECT ANSWERSFalse 
Which of the following is a reasonable procedure that a CRA could take to ensure that an end 
user has a permissible purpose to obtain consumer reports? 
A. On site inspection of the end user's place of business 
B. Checking the end user's re...
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GENIOUSTOPCLASS
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Exam (elaborations)
FCRA Basic Certification ACTUAL UPDATED QUESTIONS AND CORRECT ANSWERS
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---5December 20252025/2026A+
- FCRA Basic Certification ACTUAL 
UPDATED QUESTIONS AND CORRECT 
ANSWERS 
Consumer Report - CORRECT ANSWERSAny written, oral, or other communication of 
any info by a CRA bearing on a consumer's credit worthiness, standing, capacity, character, 
general reputation, personal characteristics, or mode of living used or expected to be used or 
collected for establishing consumer's eligibility: 
3 Key Elements of a Consumer Report - CORRECT ANSWERS1. By a CRA 
2. Bearing on a consumer...
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GENIOUSTOPCLASS
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Exam (elaborations)
Consumer Report - ANSWERAny written, oral, or other communication of any info by a CRA bearing on a consumer's credit worthiness, standing, capacity, character, general reputation, personal characteristics, or mode of living used or expected to be
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---4September 20252025/2026A+
- Consumer Report - ANSWERAny written, oral, or other communication of any info by a CRA bearing on a consumer's credit worthiness, standing, capacity, character, general reputation, personal characteristics, or mode of living used or expected to be used or collected for establishing consumer's eligibility: 
 
3 Key Elements of a Consumer Report - ANSWER1. By a CRA 
2. Bearing on a consumer's worthiness 
3. Used to establish eligibility 
 
Consumer Reporting Agency - ANSWEREngages in the ...
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shantelleG