What is FCRA compliant?

FCRA compliant means the service operates under the US Fair Credit Reporting Act, the law that governs reports about consumers. Compliance brings obligations around permissible use, accuracy and dispute rights, and it matters most if a report is used for hiring or credit. The distinction is not cosmetic. Accurate Background and Checkr both work under the Fair Credit Reporting Act, while BeenVerified, Chequea.ar and CocoFinder do not. If a report will be used for a job or a rental decision, check the compliance answer first, then weigh price.