joining us right now, liz weston, nerd wallet columnist and financial planner. z, this is interesting, but you wanted to explain exactly what these changes are >> yes, what's happening is the credit bureaus are stripping out information that's problematic, civil judgments, most are going away, and tax liens, a lot are going away so they had decided that these pieces of information are just causing them too many problems they are attracting too many lawsuits and too many complaints, so they decided together as a group that they were going to start stripping these out. >> largely because a lot are inaccurate information that gets tagged on to the wrong person's account, right >> that can happen the problem is they don't have enough identifying information, and that's what the credit bureaus did, set a higher bar for you have to make sure this piece of information belongs to the person and whose file it's been dropped, and virtually all civil judgments could not rise to that level and a lot of tax liens couldn't, as well. that's why they are coming out >> that leads