The Big Three credit agencies are juggling roughly 2.6 billion data entries apiece, at any given time. With over 1 billion modifications to those entries each month, “[s]peed and volume are favored over accuracy.” Aaron Klein of the Brookings Institute writes, the “costs of correcting the data outweigh benefits,” leading to millions of errors on consumers’ credit reports. Klein suggests several common sense remedies to the issue, including enabling consumers to check their credit reports at-will, free of charge.