The three biggest national credit reporting agencies, Equifax, Experian, and Transunion, worked together with the New York Attorney General’s Office to create an agreement that will increase protection for the approximate 200 million consumers that have credit information with the companies. The goal of the agreement is to decrease the chances of a consumer’s credit history being misrepresented by inaccuracies when using it to prove their credit-worthiness. Parts of the agreement include protection for consumers with medical debt, improving fairness and efficiency of resolving disputes, and excluding debt that originates from lenders that are in violation of New York’s lending laws. In addition, furnishers that supply these agencies with data will be more strictly monitored to increase accuracy. A media campaign will be initiated aimed at increasing consumer’s awareness of their free annual credit report and their rights to dispute errors on their credit history.