An in-file credit report is a detailed history of a borrower’s credit history. It is considered to be an objective data source because it consists of factual information that is simply obtained directly from various credit repositories. An in-file credit report is electronically generated: Lenders merely enter the borrower’s social security number into a computer program or website, then the data is collected and compiled into a report. If a consumer questions any of the contents of the credit report, he or she must file a dispute directly with the credit reporting agency. Consumers may consider obtaining a personal copy of their credit report before applying for a home loan. This allows one to review the report for accuracy as well as to begin the press of correcting any errors that may exist. A borrower’s credit score may increase after disputed items are removed from the credit report.