What is the Fair Credit Reporting Act?

Impact Credit Consultants is a credit counseling agency that specializes in helping people with bad credit find solutions to their financial challenges. The Fair and Accurate Credit Transactions Act, or FACT Act for short, is a bill that was proposed by the Federal Trade Commission in 2003. The FTC drafted the bill to help make a number of changes to the Fair Credit Reporting Act. The proposed legislation aimed to strengthen existing consumer rights and protections.

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