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From the FTC Business Center Blog By Tony Rodriguez and Jessica Lyon January 10, 2013 – 2:00pm Just saying you’re not a consumer reporting agency isn’t enough You know that phrase “If it quacks like a duck. . . “?  It’s applicable in the Fair Credit Reporting Act context, too.  If a company meets the legal definition of a “consumer reporting agency,” it’s a consumer reporting agency.  Including a disclaimer

Tax time will soon be upon us. Buy Here – Pay Here dealers look forward to this time of the year because many dealers make a high percentage of their annual sales during this period. One dealer I read about claimed to make 80% of his sales during this quarter. That seems a too high to me and I would argue his marketing and sales efforts during the rest of