time limitations ruling on FCRA The Supreme Court just ruled on a TRW/FCRA case yesterday in which the consumer lost. Apparently, the consumer had her identity stolen and did not learn of it until about a year later. In the meantime, the person stealing the identity had applied for credit. The court ruled that the data the clock started ticking was the first time the credit report information was supplied to the companie to which the theif was applying for credit. The Supreme Court ruled in TRW's favor. http://supct.law.cornell.edu/supct/html/00-1045.ZS.html To me, this underscores the fact that you really need to be proactive and pull your credit report on a regular basis. Scary.