Errors happen. While the credit-reporting system often works perfectly, sometimes system often works perfectly, sometimes you're penalized because of inaccurate information. In these cases, you may feel that “innocent until proven guilty” no longer applies. You may have to work extremely hard to get these errors corrected. This section details credit-report errors: how they happen, why they're so frequent, and what you can do about them. You'll find a step-by-step approach them. You'll find a step-by-step approach that you can use to get errors removed.