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Using the FCRA and FACTA to Your Advantage In Disputing Your Credit Report http://hubpages.com/hub/Using-FCRA-And-FACTA-To... There are several ways that your credit rating can be adversely affected. Many times the items being reported to your credit bureau may be inaccurate. To help consumers protect their credit bureau reports, the government has in place some laws that can help in disputing negative items and restoring a consumer’s good name. These laws are The FCRA and FACTA.
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