The Fair and Accurate Credit Transactions Act (FACT Act) enacted 2003 incorporates credit reporting agencies dispute procedures and regulations that allow you to keep your credit information accurate and up to date. Credit Reporting Agencies (CRAs), creditors and financial institutions …

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Credit scores can be viewed as a grade for your financial behavior. They are complex mathematical algorithms that factor large amounts of financial information to produce a single number. This number represent to lending companies the risk involved in lending …

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