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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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Personal credit reports can either make or break a person as far as acquiring new credit cards, mortgages, installment loans, business loans, and home equity loans. If you have a good credit score and a stellar credit history, then you have nothing to worry about. You can sit back...