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<classification authority="sudocs">GA 1.13:GAO-05-223</classification>
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 <subject>Consumer education</subject>
 <subject>Consumer protection</subject>
 <subject>Credit</subject>
 <subject>Credit bureaus</subject>
 <subject>Data collection</subject>
 <subject>Federal law</subject>
 <subject>Federal regulations</subject>
 <subject>Financial statements</subject>
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<titleInfo>
 <title>Credit Reporting Literacy: Consumers Understood the Basics but Could Benefit from Targeted Educational Efforts</title>
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<abstract>This report responds to a mandate in the Fair and Accurate Credit
Transactions Act (FACT Act) of 2003 requiring GAO to assess	 
consumers&apos; understanding of credit reporting. The FACT Act, among
other things, extended provisions governing the credit reporting 
system and addressed ongoing concerns about inaccuracies in	 
credit reports. For example, the act expanded access to credit	 
information by entitling consumers to one free credit report each
year. It also established the Financial Literacy and Education	 
Commission (FLEC) to improve consumers&apos; understanding of credit  
issues. This report examines consumers&apos; understanding and use of 
credit reports and scores and the dispute process and looks at	 
factors that may influence their understanding of credit	 
reporting.</abstract>
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 <searchTitle>GAO-05-223; Credit Reporting Literacy: Consumers Understood the Basics but Could Benefit from Targeted Educational Efforts;
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 <topic>Consumer education</topic>
 <topic>Consumer protection</topic>
 <topic>Credit</topic>
 <topic>Credit bureaus</topic>
 <topic>Data collection</topic>
 <topic>Federal law</topic>
 <topic>Federal regulations</topic>
 <topic>Financial statements</topic>
 <topic>Information disclosure</topic>
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 <titleInfo>
  <title>United States Public Law 508 (91st Congress)</title>
</titleInfo>
 <identifier type="public law citation">Public Law 91-508</identifier>
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 <titleInfo>
  <title>United States Public Law 598 (95th Congress)</title>
</titleInfo>
 <identifier type="public law citation">Public Law 95-598</identifier>
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 <titleInfo>
  <title>United States Public Law 208 (104th Congress)</title>
</titleInfo>
 <identifier type="public law citation">Public Law 104-208</identifier>
</relatedItem>
<relatedItem type="isReferencedBy">
 <titleInfo>
  <title>United States Public Law 159 (108th Congress)</title>
</titleInfo>
 <identifier type="public law citation">Public Law 108-159</identifier>
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