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FedEx was founded as Federal Express Corporation in 1971, by 28-year-old Memphis, Tennessee, native Frederick W. Smith. Smith, a former Marine pilot in Vietnam, originally outlined his idea for an overnight delivery service in a term paper he wrote for a Yale University economics class.
The FCRA was passed to address a growing credit reporting industry in the United States that compiled consumer credit reports and investigative consumer reports on individuals. The FCRA was the first federal law to regulate the use of personal information by private businesses.The first major credit reporting agency, Retail Credit Co, was started in 1899. Over the years, Retail Credit purchased smaller CRAs and expanded its business into selling reports to insurers and employers.he statute of limitations for bringing an action for a violation of the FCRA is two years from the date of discovery of the violation by the consumer, although the action must be brought within five years of the date of the actual violation.