An excellent article!

For those who still have the thirst for history and would be interested in a paper that details the workings of the CRAs and led up to the enactment of the new Direct Dispute process, bypassing the CRA dispute process, I suggest the following very detailed analysis, which can be obtained by a quick Google on the name of the submitter, Leonard A Bennett:

Testimony

Before

Subcommittee on Financial Institutions And Consumer Credit

of the

COMMITTEE ON FINANCIAL SERVICES

Regarding

"Fair Credit Reporting Act: How it Functions for Consumers and the Economy"

June 4, 2003

Submitted by: Leonard A. BennettLeonard A. Bennett, P.C. 12515 Warwick BoulevardNewport News, Virginia

Edited to remove contact info

on behalf of

National Association of Consumer Advocates