If you are planning to buy a home, you should definitely learn how the FCRA helps to protect you as a homebuyer. Any mortgage lender that you try to get a loan from is going to consult your credit report in order to find out the type of risk you represent. The more negative marks that your report contains, the lower your credit score is going to be and the more difficult it is to get credit. When you are denied credit, employment or insurance based on the contents of your credit report, you have the right to know what agency provided the report.