I THINK WE ALL NEED TO DISCUSS THE ISSUE OF THE LAWS THAT CONSTITUE US. FIRST, ONE IS THE DIFFERENCE BETWEEN THE FCRA AND FDCPA. SECOND, I BELEIVE THE FCRA STATES THAT "IF YOU ARE DISPUTING WITH A FURNISHER, YOU MUST TELL THE CRA OF THE DISPUTE" MY QUESTION IS HOW LONG DOES THE FURNISHER HAVE TO CONTACT THE CRA OF THE DISPUTE? WHAT IS THE CREDIT REPORT SUPPOSE TO SAY FOR A FURNISHER DISPUTE? WHAT ARE SOME OTHER CREATIVE WAYS OF CATCHING CREDITORS NOT FOLLOWING THE LAWS. THANKS
