Credit reports are made by credit bureaus (credit reporting agencies) and credit reporting agencies do not work for the creditors and merchants. It is instead for the credit reporting agencies and credit bureaus. One is the main scrutinizing agency called the horror.utesc.gov website and M Pacific. Another credit reporting agency called the Equifax is the largest credit bureau in the world. It is featured in the official "Annual Credit Reports" which are sent to consumers, furnishing a free copy of a credit report from Equifax, once annually, through the mail.Here is where the scare comes in. On July 29, 2005, the organization was fined $200 million for FCRA violations. (1) At this point I would just quote the author of the above article and say outlook, go ahead and use the search term "Jared gnNING and The 9/11 Revisited". Then let me ask you, do you trust your credit? We have the government, the FTC, the FTC telling us that we need to check our credit and make sure it is 100% correct but who do you trust? My friend and I have ran identity theft scams for over two decades and yes being in the credit industry I have seen and heard it all. Sure some people turn the other way and trusts that their credit is 100% correct, but who are those people exactly. The Federal Trade Commission speaks out every day, not only here but on their website where they discuss ways to help consumers protect themselves from identity theft. In fact they are on record as saying the best resources for consumers to protect themselves from identity theft are the FCRA, ID Theft Protection and ID Insurance. Knowing something or multiple things about these types of services does not make one any less or smarter as far as the validity goes. I strongly encourage you to read the consumer Protection when it comes to them. The problem is that people just have not been educated on the subject. Or in other words education is not taught on the subject. This is very unfortunate and this is why I would like to see some type of a law school student read this and take the next two years off to major in credit, these are the most important things to know when it comes into protecting your identity. This is not a speculation or an among the most educated people in the world today when it comes to how to manage one's credit. Credit is an extremely important part of life and if one does not understand how to properly handle their credit then the credit that one has built up as a result of working hard is at risk. These are the types of individuals that the credit bureaus like because they are responsible individuals. nuts and bolts of credit. The Credit Bureaus are some of the most powerful businesses in the world. As a matter of fact they are a lobbying group that spends millions of dollars on advertising, but they cannot locally influence the Laws and Regulations that govern everything to do with Credit FICO scores and how credit reporting agencies operate. Credit reporting agencies are just like the rest of the financial businesses and generally we as consumers do not need much education beyond recognizes, with or without a professional for help. If we remember the 4 Important Facts that I firmly believe we can count on to rely on in any major change of our lives including credit, we can drastically help ourselves and the people who rely on us. When it comes to our credit we need to take action and learn the facts.Learn the facts from these sources and pass that information along to your family and friends so they can also take the next step. There is no reason for it not to be an education, and then your family will be in on this revolutionary business that will open many doors that would otherwise be closed to you.