Credit Reporting: What is it and What to do When It’s Wrong

As Americans, we are driven by credit.  How to get it, when to use it, how to get rid of it. This dynamic has created a credit industry that is mammoth, complicated, powerful.  Consumers are at the mercy of the credit industry; they can be, and sometimes are, crushed under its weight.

Credit reports are a tool consumers can utilize to protect against the risks inherent in the credit system. It is an impersonal, mechanized system with few or ineffective checks on accuracy.