[dingaling]

I'm convinced that those 'errors' on reports are actually phishing.

When I ordered my reports I paid with postal orders, so as not to leak any financial information back to the agencies. I'm glad I did so, as the details ( other than my mortgage ) were laughably incorrect.

I was on the verge of writing to correct them and then caught myself - that's exactly what they want, isn't it? So hopefully by now they've diverged even further from the truth.

[pc86]

Were they negative elements or just factually incorrect neutral/positive elements? Correct or not, if your credit report is pulled and there is wildly inaccurate (negative) information you can still be declined, and not many people know that you are entitled to a free report if you're declined based on what's in that report.

[Karunamon]

In my experience, most every place that declines you based on report data will send you a letter saying (in very general terms, but still) what criterion you failed, as well as the information about where to get your report.