Errors made by credit bureaus, “Credit Rating/Record Errors,” bother small business own- ers in 2008 with about the same intensity as in 2004 and 2000. The problem ranks 67th in 2008, compared to 65th in 2004 and 68th in 2000. It is critical to fewer than 5 percent of owners. According to NFIB’s Finance Questions poll, the majority of small business owners have not checked their business’s credit records in the last three years. But the vast majority of those who did and found inaccuracies in their report, were satisfied with the credit reporting company’s response to filed complaints. The.