1 Who should regularly look for, identify, and dispute errors on your credit reports? The credit reporting agency The information furnisher You The individual, business, or organization that uses credit reports to make decisions about you if you have a better credit history. Your credit score is lower doesn't matter higher 1 Not having a credit may result in having a hard time finding an apartment. False True What's the highest factor in the General FICO Model. Length of Credit History New Credit Amounts Owed Payment History