Unfortunately credit report errors and identity theft are no longer rare occurrences these days. While credit report problems are not uncommon, the average person is still unaware that they are protected against unfair credit reporting methods by the Federal Fair Credit Reporting Act (FCRA). The Fair Credit Reporting Act (FCRA) For Consumer Credit Worthiness The FCRA and the Fair Debt Collections Practices Act together form the basis of the American consumer credit system. Enforced by the Federal Trade Commission in 1970, the Fair Credit Report Act is federal law and grants consumers certain
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