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FCRA The Fair Credit Reporting Act (FCRA) is the federal law enforced by Federal Trade Commission to promote accuracy and fairness, and to ensure the privacy of information used in your credit reports. It regulates the functioning of credit bureaus and has been in effect since 1971....

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Yes, there are plenty of ads for lawyers and debt consolidation agencies who promise to stop the debt collectors from ruining your life. But they all just do one thing, which you can do for yourself: write a letter saying you no longer wish to be contacted. Of course, you’ll...