Credit Header Data
A term for identifying fields associated with a credit file, such as names, addresses, and other identifiers; FCRA treatment depends on the report, purpose, provider, and applicable law.
Full definition
Credit-header data is a term used for identifying fields associated with a credit file, such as names, former names, addresses, and other identifiers. Whether a particular field or use is subject to the Fair Credit Reporting Act depends on the provider's activity, the report's purpose, permissible purpose, and statutory definitions; the label "credit header" does not by itself establish that data is outside FCRA or freely available for sale. Check the current consumer-reporting rules and the provider's role before relying on a deletion or dispute route.
Related terms
Consumer Reporting Agency (CRA)
An entity that assembles consumer information into reports used for credit, employment, housing, or insurance decisions, regulated under the FCRA.
Skip Tracing
The practice of locating a person's current whereabouts by piecing together data from many sources, originally to find debtors who "skipped" town.
Data Broker
A company that collects personal information about consumers and sells, licenses, or shares that information with third parties.
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