Consumers nationwide now are able to request a free annual credit report. In November 2004, the FTC issued its final rule regarding the proper disposal of consumer report information and records, the final summary of rights for identity theft, the final summary of general consumer rights, and revised furnisher and user notices.
The Fair Credit Reporting Act (FCRA) and its subsequent amendment the Fair and Accurate Credit Transactions Act (FACTAct) are pieces of federal legislation that governs the collection, organization and distribution of credit-related information.
There are plenty of websites that offer free credit reports and scores when users sign-up for a free trial membership into a credit monitoring service. So what they made a report? In January 2005, the FTC issued the final regulation to improve required notices in prescreened offers for credit or insurance.
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