Many items appear on our credit report that are not accurate or errors on behalf of the creditor or the credit bureau. These errors can negatively impact our credit score. The negative impact typically results in high interest rates, large deposits, or simply not getting approved at all. Therefore, this credit report becomes a report card for life. Unfortunately, how do we get a good grade or pass a class when the teacher never showed up? 2020 Vision is passionate, and wants to help, educate, and guide individuals so that our respective clients can have a do over with obtaining and sustaining the credit score they deserve.