Your credit report is the information provided to the credit scoring system lenders use to determine their financial risk in granting you a home loan or home equity line of credit (HELOC). Credit bureaus, or consumer reporting agencies (CRAs), collect, package, and sell what is commonly known as your "credit report" or "credit profile" to companies seeking information about your financial matters. However, these reports can contain inaccurate, incomplete, outdated and sometimes even misleading information that can lower your credit score, also known as your FICO score, and can cause you to be denied a line of credit or debt consolidation loan, or to settle for a