Much of the information is not accurate. For instance, if you have had a roommate, they are included as your relatives, which includes their debts, bankruptcies which also become YOURS. (One has to pay to see what is yours and what is associated with you through a relative.) Previous property owners, are now your relatives as well, and their debts, crimnal convictions become YOURS. It costs money to see your own report. So they trick you into trying to fix your report. I personally think this is a SCAM to make you pay to fix your reputation, which they have mishandled and manufactured!