You'll be amazed how much you're going to find, either by human error by someone at the credit-reporting agency or from actual fraudulent use.

What then in the last resort are the truths of mankind?--They are the irrefutable errors of mankind.

It took one human error to take my leg and one human error to take my mother's.

Man has been reared by his errors: first he never saw himself other than imperfectly, second he attributed to himself imaginary qualities, third he felt himself in a false order of rank with animal and nature, fourth he continually invented new tables of values and for a time took each of them to be eternal and unconditional...If one deducts the effect of these four errors, one has also deducted away humanity, humaneness, and 'human dignity'.

To say simply, we've now instituted this process -- well, why? Why was the process changed if there wasn't an error made in the first place?

The credit reporting system suffers from inaccuracy and often from outright injustice.