In a recent study, the Federal Trade Commission discovered that as many as 1 in 4 consumers have potentially negative errors on their credit reports! That’s a lot of errors that could be corrected by careful monitoring and disputes with problem creditors. Errors aren’t just a problem for consumers who have filed bankruptcy, either. They can also make it harder to get credit, or can result in higher rates and fees on loans and credit. The FTC has just released the results of the study, which is the first major study to look at consumers, lenders and reporters, the Fair Isaac Corporation (which develops FICO credit scores), and credit reporting agencies.