Here are a couple of links for those who have som questions..
FCRA (Fair Credit Reporting Act)
http://en.wikipedia.org/wiki/Fair_Credit_Reporting_Act
FDCPA (Fair Debt Collections Practices Act)
http://en.wikipedia.org/wiki/Fair_De..._Practices_Act
These are the Wiki links....I was going to post the Government links but they are too long and boring to read.
Here is an FTC link that is FAQ
http://www.ftc.gov/bcp/edu/pubs/cons...edit/cre18.pdf
mmaddog
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