What is the FCRA, and are there restrictions to using Whitepages info?

The Fair Credit Reporting Act (FCRA) is a United States federal law that regulates how business 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, creditworthiness, and eligibility for insurance and housing, among other things. Because Whitepages is not a Consumer Reporting Agency, the data obtained from us 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 Whitepages' data. Here is a short list of examples of situations in which you should NOT use Whitepages data 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
  • 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 the price of insurance

 

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