This week we’re decoding your credit score - and credit report. We explain what happens when credit reference agencies have wrong information about you, how often this can happen and what you can do to protect yourself. Which? Researcher Megan Thomas and Adam French, Senior Editor at NerdWallet have all the answers to a topic that could be more complex than you might first imagine. Read more on how to improve your credit score & sign up to our free weekly Money newsletter. Get 50% off a Which? membership.