Sixteen percent of the consumers found
errors that either would have likely had a
material effect
on their
credit score (3 out of 30), or the effect was uncertain (2 out of 30).42 In the second phase of the study, 31 % of participants (40 of 128) found
errors in the
credit reports, and 12 % (15 of 128) found
errors that would have a
material effect
on their
credit scores.