Amazingly, consumers find more than 13 million inaccuracies on their credit reports each year. These inaccuracies can cost you the purchase of a home, a car, interest rate increases on credit cards, denial of loans, etc. While consumers are certainly empowered to dispute inaccurate items, most of them don’t know the best and fastest way to do it. What about truly accurate derogatory items? What do you do about those? Here are the Top 5 Insider Secrets For Credit Repair.