It certainly is an odd system we have set up. Three companies collect all our data and we're ok with that. Then, using this data, they create a "credit score" but do not disclose the formula for the score so you really never know why/how your score went up/down. Heck, just having someone check your score decreases it. If they are incorrect and have erroneous data, it is incumbent upon the individual to protest, not the company to ensure accuracy. Additionally, they are not held responsible for incorrect data that can lower your score and effect your ability to borrow for a car/house/etc. BUT, for a fee they'll monitor their own system for you. The Mob must be upset they didn't think this up first.