National Consumer Assistance Plan

A National Consumer Assistance Plan is a set of initiatives undertaken by the three national credit reporting agencies in the United States, also known as CRAs. These initiatives were put into place to help consumers better understand their credit reports and scores and to provide them with resources to improve their credit health. The NCAP was created in response to the Fair Credit Reporting Act, which was passed by Congress in 2003. The NCAP has several components, including the creation of a centralized website where consumers can get information about the credit reporting process and their rights under the FCRA; the development of educational materials about credit reporting and credit scores; and the establishment of a toll-free number that consumers can call if they have questions or problems with their credit reports.

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