§ 19.182.005 Findings — Declaration
§ 19.182.010 Definitions
§ 19.182.020 Consumer report — Furnishing — Procuring
§ 19.182.030 Consumer report — Credit action not initiated by consumer — Exclusion by consumer
§ 19.182.040 Consumer report — Prohibited information — Exceptions
§ 19.182.050 Investigative consumer report — Procurement, preparation — Disclosure — Use — Liability — Record
§ 19.182.060 Consumer report — Procedures for compliance — Information for governmental agency — Record
§ 19.182.070 Disclosures to consumer
§ 19.182.080 Disclosures to consumer — Procedures
§ 19.182.090 Consumer file — Dispute — Procedure — Notice — Statement of dispute — Toll-free information number
§ 19.182.100 Consumer reporting agency — Consumer fees and charges for required information — Exceptions
§ 19.182.110 Adverse action based on report — Procedure — Notice
§ 19.182.120 Limitation on action — Exception
§ 19.182.130 Obtaining information under false pretenses — Penalty
§ 19.182.140 Provision of information to unauthorized person — Penalty
§ 19.182.150 Application of consumer protection act — Limitation — Awards — Penalties — Attorneys’ fees
§ 19.182.160 Block of information appearing as result of identity theft
§ 19.182.170 Victim of identity theft — Security freeze
§ 19.182.180 Security freeze — Changes to information — Written confirmation required
§ 19.182.190 Security freeze — RCW 19.182.170 not applicable to certain consumer reporting agencies
§ 19.182.200 Security freeze — Exempt entities
§ 19.182.210 Information furnished to a governmental agency
§ 19.182.220 Security freeze — Protected consumers — Definitions
§ 19.182.230 Security freeze — Protected consumers — Placement and removal — Fees — Exceptions
§ 19.182.800 Report on credit freezes
§ 19.182.900 Short title — 1993 c 476
§ 19.182.902 Effective date — 1993 c 476
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Terms Used In Washington Code > Chapter 19.182 - Fair credit reporting act

  • Answer: The formal written statement by a defendant responding to a civil complaint and setting forth the grounds for defense.
  • Arrest: Taking physical custody of a person by lawful authority.
  • Bankruptcy: Refers to statutes and judicial proceedings involving persons or businesses that cannot pay their debts and seek the assistance of the court in getting a fresh start. Under the protection of the bankruptcy court, debtors may discharge their debts, perhaps by paying a portion of each debt. Bankruptcy judges preside over these proceedings.
  • Contract: A legal written agreement that becomes binding when signed.
  • Conviction: A judgement of guilt against a criminal defendant.
  • Corporation: A legal entity owned by the holders of shares of stock that have been issued, and that can own, receive, and transfer property, and carry on business in its own name.
  • Credit report: A detailed report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Source: OCC
  • Credit Score: A number, roughly between 300 and 800, that measures an individual's credit worthiness. The most well-known type of credit score is the FICO score. This score represents the answer from a mathematical formula that assigns numerical values to various pieces of information in your credit report. Source: OCC
  • Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
  • Defendant: In a civil suit, the person complained against; in a criminal case, the person accused of the crime.
  • Discovery: Lawyers' examination, before trial, of facts and documents in possession of the opponents to help the lawyers prepare for trial.
  • Evidence: Information presented in testimony or in documents that is used to persuade the fact finder (judge or jury) to decide the case for one side or the other.
  • Fair Credit Reporting Act: A federal law, established in 1971 and revised in 1997, that gives consumers the right to see their credit records and correct any mistakes. Source: OCC
  • Fraud: Intentional deception resulting in injury to another.
  • Guardian: A person legally empowered and charged with the duty of taking care of and managing the property of another person who because of age, intellect, or health, is incapable of managing his (her) own affairs.
  • Indictment: The formal charge issued by a grand jury stating that there is enough evidence that the defendant committed the crime to justify having a trial; it is used primarily for felonies.
  • Jurisdiction: (1) The legal authority of a court to hear and decide a case. Concurrent jurisdiction exists when two courts have simultaneous responsibility for the same case. (2) The geographic area over which the court has authority to decide cases.
  • Mortgage: The written agreement pledging property to a creditor as collateral for a loan.
  • Obligation: An order placed, contract awarded, service received, or similar transaction during a given period that will require payments during the same or a future period.
  • Partnership: A voluntary contract between two or more persons to pool some or all of their assets into a business, with the agreement that there will be a proportional sharing of profits and losses.
  • person: may be construed to include the United States, this state, or any state or territory, or any public or private corporation or limited liability company, as well as an individual. See Washington Code 1.16.080
  • Plaintiff: The person who files the complaint in a civil lawsuit.
  • Power of attorney: A written instrument which authorizes one person to act as another's agent or attorney. The power of attorney may be for a definite, specific act, or it may be general in nature. The terms of the written power of attorney may specify when it will expire. If not, the power of attorney usually expires when the person granting it dies. Source: OCC
  • Statute: A law passed by a legislature.
  • Statute of limitations: A law that sets the time within which parties must take action to enforce their rights.
  • Subpoena: A command to a witness to appear and give testimony.