Up to 25 percent of American consumers who apply for credit eachyear are denied due to inaccuracies on their credit report. In somecases, job applicants can be denied a new position if the hiringcompany does a credit report review prior to hiring and discoversan individual has failed to pay back student loans, for instance.In 2004, nearly 35 percent of American companies were verifying thecredit histories of potential employees before hiring, according tothe Pew Safe Banking Opportunities Project. So before you apply forany type of credit, or apply for a new job, it's a good idea toobtain and clean up your credit report ahead of time.First, it's important to understand that your credit report isactually a triple credit report – it is a credit report obtainedfrom each of three credit agenci