3[3]James P.Nehf.A Legislative Framework for Reducing Fraud in the Credit Repair Industry,70 N.C.L Rev.798(1992) (discussing the development of the CRO industry and surrounding Ligislative framework).
4[4]Jon Golinger & Edmund Mierzwinski,Mistakes Do Happen:Credit Report Errors Mean Consumers Lose (March 1998) at http://www.uspirg.org/reports (last visited Nov.12,2002).
