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A Broken System: How The Credit Reporting System Fails Consumers And What To Do About It

Consumer Report examines some of the longstanding problems that plague the credit reporting system based on a survey of consumers who recently checked their credit reports along with other recent research and federal regulatory enforcement actions.  CR found that credit reports are rife with errors and that some consumers have a challenging time accessing their free credit reports online and are sometimes charged unfairly for services.  The report lays out a set of reforms needed to ensure consumers are protected and credit reports are fair and accurate.