"The FTC study concluded that only 2.2% of credit reports reviewed in their study experienced a credit score increase that would affect a consumer's ability to obtain credit. This is consistent with the peer-reviewed study conducted by the Policy and Economic Research Council, published in May 2011. Nothing is more important to TransUnion than the security and accuracy of consumers' information, and while the material error rate is low, we continually strive to reduce it. Like the FTC, we encourage consumers to review their credit reports regularly. When consumers see something that doesn't look right, they can dispute it directly with their creditor, or with the credit reporting company, online, by phone or by mail."