The Fair Credit Reporting Act (FCRA) is a United States federal law that regulates how businesses and people may use consumer report information. The FCRA promotes the accuracy, fairness, and privacy of information in the files of companies governed by the FCRA ("Consumer Reporting Agencies"), and requires others to only use information from Consumer Reporting Agencies when making decisions about an individual's employment, housing, creditworthiness, and eligibility for insurance, among other things.
The services provided through Whitepages.com, 411.com, Whitepages Premium, or any affiliated mobile apps are not FCRA compliant. This means data obtained from these services cannot be used for the purposes governed by the FCRA. Consumer Reporting Agencies are the only ones that are able to provide sufficient information about an individual to help make decisions regarding employment, insurance, housing, and creditworthiness.
We understand that visitors may have questions about restrictions in using data provided by the aforementioned services. Here is a short list of examples of situations in which you should NOT use data obtained through the above services in decision making or screening. Keep in mind that this list does not contain every possible prohibited use, but it should aid as a helpful guideline.
Whitepages data cannot be used to make decisions in any of the following situations:
- Screening of prospective tenants (unless you're using Whitepages TenantCheck)
- Determining whether or not to hire a potential employee
- Conducting background checks on current or future household employees, such as nannies and cleaners
- Determining a person's creditworthiness
- Determining eligibility for insurance