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When you repair your credit report, you enter the fray and make a list of all the transactions that have been made on YOUR credit. When it came to their own credit reports, people essentially had no rights until the 1970s. You didn't have access to your own credit history, and you were unable to contest inaccurate information. Consumers who asked for credit and were denied it were in a terrible predicament since they had no way of knowing why or even whether it was an error. The Fair Credit Reporting Act (FCRA) was passed into law as a result. You are granted a number of significant rights regarding your credit report in addition to other protections.