1. Under the fair credit reporting act people who are subject to a credit report may request: A. nature and substance of information in their file B. the sources of the information C. the name of the recipients of his or her report D. all of the above 2. under the fair debt collection act a creditor cant contact a debtor: A. at any inconvenient time B. at any inconvenient places C. if the party has an attorney D. all of the above 3. an improperly recorded document is: A. not effective against subsequent purchasers of the property B. not effective against other mortgage of the property C. is still effective in court of equity D. A and B