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50 WAYS TO PROTECT YOUR IDENTITY AND YOUR CREDIT EVERYTHING YOU NEED TO KNOW ABOUT IDENTITY THEFT, CREDIT CARDS, CREDIT REPAIR, AND CREDIT REPORTS by Steve Weisman

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Chapter 13. CONGRESS DEALS WITH CREDIT REPORTS AND IDENTITY THEFT: THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT

“Those who do not learn from history are doomed to repeat it.”

I used to think about that George Santayana quote a lot, particularly while taking history courses. However, it also applies to Congress when they revisit legislation in order to improve it.

The Fair and Accurate Credit Transactions Act (FACT) was signed into law on December 4, 2003, by President George W. Bush, although many parts of the new law will be phased in over the next few years and a number of details of the new law were left to be worked out over the months and years following the signing of the law. The name of this law reflects present concerns of many Americans ...

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