If you feel company is incorrect, you are allowed to write a 100 word statement which bureaus are required by law to distribute along with your credit report to everyone who asks for it in future.

If there are no errors on your report, but your credit isn't too great, you'll need to do what you can to repair problems. While you might think one of thousands of "credit doctors" out there can help you... DON'T TRY THEM!!! Watch out for people who claim they can "Erase bad credit...", "Help you start with a clean board..." or who promise "You'll have great credit in no time!" It can't be done. Some of their tactics are illegal and can even get you thrown in jail. The only solutions for dealing with black marks like late payments and bankruptcy are to:

wait it out and/or try to rebuilding your credit by getting your finances organized There are many systems out there to help you get things back in order and many of them are free. For a free guide book for "Knowing and Understanding Your Credit" from Fannie Mae, click here. For an article with links to serveral free credit counseling groups, click here.

To find out what possible errors to look for in your report, visit BankRate.com's "Credit How To Guide."

For great advice on understanding your credit report, visit BankRate.com.

*names have been changed

You can also fill up umbrellas with balloons or even yarn in pastel colors. Hang them upside down at strategic points.

More baby shower decorations that enchant

Here's a centerpiece idea that's perfect for these celebrations -- baby shower cakes. Not sure what those are? Baby shower cakes (also called diaper cakes) are essentially diapers arranged in multiple tiers to look like a cake, with many small baby products tucked into them. They're very eye-catching gifts, just right for baby showers. Place one on a table as a centerpiece.

Here's how to make your tables more appealing. Place small boxes of different heights on them. Drape baby items like receiving blankets over them. Your tables will end up with a more interesting look and feel thanks to varying levels.

Spice up your tables by sprinkling confetti on them that says "It's a boy" or "It's a girl." If baby's sex is not known, use both.

Instead of piling gifts onto tables, try using a large item like a stroller or a baby crib to display gifts. This is just right for a baby shower!

Another tried and tested idea is to string a clothesline across room. Use wooden clothespins to hang cute baby items from line. Use diapers, baby clothing, booties, socks, bibs, hats, toys and other such items. These products make excellent gifts to mom-to-be after shower.

Alternatively, hang disposable diapers on clothesline and using permanent marker, spell out baby's name. If name is not known yet, just write 'BABY SHOWER'. Clotheslines with names and baby items on them are quite common at showers, yet they invariably become a conversation piece -- they look quite cute!

If you're having a baby shower around Christmas, try this one. Buy an artificial Christmas tree and decorate it with little baby items. Like diapers, clothes, booties, socks, small bottles of lotions and so on. Use twinkle lights as well. This is a wonderful centerpiece for room.

You can even do miniature trees on each table, similarly decorated. It creates a lovely effect.

There are no limits to number of ways you can create dazzling baby shower decorations. Combine above ideas, add your own twist and create an unforgettable shower!