Industry Resources

Below we have compiled a list of important online resources pertaining to legislation governing the access and use of information.

Fair Credit Reporting Act

The FCRA is the federal law which regulates the credit reporting industry.

Fair and Accurate Credit Transactions Act of 2003

Gramm-Leach-Bliley Act

Fair Debt Collection Practices Act

Fair Credit Billing Act

Credit Repair Organizations Act

Equal Credit Opportunity Act

Consumer Information

The Fair and Accurate Credit Transactions Act of 2003, which amended the Fair Credit Reporting Act, allows consumers to request this free credit file disclosure once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. is the centralized source for consumers to request annual free credit file disclosures. It is the only website authorized to process requests for annual free credit file disclosures authorized by law.

Identity Theft

State Consumer Rights / Security Freeze Information

If you want to view the State specific rights you have, or place a security freeze on your file, select the State in which you reside from the list below, follow the instructions, and provide the information required:

Alabama | Alaska | Arkansas | California | Colorado | Connecticut | Delaware | District of Columbia | Florida | Georgia | Indiana | Maine | Maryland | Massachusetts | Missouri | Montana | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Rhode Island | Tennessee | Texas | Vermont | Virginia | Washington | West Virginia | Wisconsin

Please note that any security freeze that you request will apply to only those applicable reports that are created and maintained by MicroBilt / PRBC; we do not have the ability to add a security freeze to the file of any other agency. To add a security freeze to your credit file, you must contact the individual relevant credit reporting agency. The three national credit reporting agencies are:

P.O. Box 740241
Atlanta, GA 30374

P.O. Box 9532
Allen, TX 75013

TransUnion Consumer Relations
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022-1000
Order Credit Report: 800-888-4213
Report Fraud: 800-680-7289

NY State Laws Change

MicroBilt - NY Disclosure and Release
MicroBilt - NY Chart of Penal Law Offenses
MicroBilt - NY Correction Law Article 23-A
MicroBilt - NY Criminal Record Review
MicroBilt - NY Customer Letter
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