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The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended), is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
[citation needed] Credit inquiries that were made by the consumer (such as pulling a credit report for personal use), by an employer (for employee verification), or by companies initiating pre-screened offers of credit or insurance do not have any impact on a credit score: these are called "soft inquiries" or "soft pulls", and do not appear on ...
The Fair Credit Reporting Act, as originally enacted, was title VI of Pub. L. 91–508, 84 Stat. 1114, enacted October 26, 1970, entitled An Act to amend the Federal Deposit Insurance Act to require insured banks to maintain certain records, to require that certain transactions in United States currency be reported to the Department of the ...
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U.S. Supreme Court justices on Monday appeared divided over whether the federal government can be sued over errors related to consumer credit reports as they considered a case involving a ...
Snowfall has occurred further south in the United States only on the high mountains of the state of Hawaii. President Gerald Ford pardons Iva Toguri D'Aquino (aka “Tokyo Rose”). January 20 – Jimmy Carter is sworn in as the 39th president of the United States, and Walter F. Mondale is sworn in as the 42nd vice president.
The first step to pulling a free annual credit report is to visit the website that allows you to get your report at no cost. The website is AnnualCreditReport.com. Be careful not to type in ...
In a 2020 survey of 5,000 people by Credit Sesame, 54% of Black Americans and 41% of Hispanic Americans reported having a credit score below 640, while 37% of white Americans and 18% of Asian ...