An instant online credit report is not always perfect. Taking the time to find and review this information will allow the consumer to see if there are any mistakes that are hurting the rating or score of the individual. This allows consumers to have any problems or errors fixed. Without repairing any mistakes, it may be difficult to receive loans or other financial assistance. For the consumer wishing to buy a house, car, or other major purchase, any errors can be detrimental. This will cause serious financial problems for the consumer if something is not done to fix any errors on financial records.