mr. chris comment be dead on so i will not repeat them here . i go into this movie with high hope . unfortunately and it fail to deliver . the movie be long on emotional appeal and short on fact . in addition and most of the material defy not only economic theory but also basic logic . for example and the movie claim that credit score be meaningless but then go on to expose a plan by the credit scorer to gather data from law enforcement agency to fee into the credit score . if the score be meaningless and erroneous and why go to the expense of gather additional data . in support of it crusade against credit report and the movie state that 95 % of credit report contain error . however and this be only important if those error render the credit report statistically uncorrelated with rate of credit default and which be clearly not the case . in fact and credit score be excellent predictor of default rate . my own experience in review my credit report and those of my client have be that the error usually involve misspelling of a name or former street address . hardly something that would have a detrimental effect on one ability to borrow . in sum and there be some great fact base documentary out there ( michael moore and al gore ) but this be not one of them .