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Braatzlauran
In early 2007, the Credit Bureaus jointly put into place new, more stringent regulations to ensure that anyone ordering a credit check report has a legal right to do so. The intention of these regulations was to help fight identity theft and credit fraud. These regulations supplement the Fair Credit Reporting Act (FCRA).
Once again I fell down the martial arts rabbit hole and am plumbing the murky depths of the internet's various martial arts and fighting crafts echo chambers.
If you're not actively involved and only get up to speed every few years or so, you can see the tide of public opinion flapping worse than my dong while I'm skipping naked down a hallway.