Right, that goes along with "20% of credit reports have errors." (which was found in an FTC study). Example errors are misspellings and number transposing and b

Right, that goes along with "20% of credit reports have errors." (which was found in an FTC study). Example errors are misspellings and number transposing and both versions end up in the database. The correct report can be pulled up 99.9999% of the time even if it has errors because usually a bunch of data is used to pull up the report (name, address, birthday, social), not just a single number. I know someone with misspellings of their name on one bureau's credit report and its never caused a problem (he's too lazy to ask them to fix it). The misspelling is listed as his name and the right spelling is listed as "other name" (or something like that).