Most Americans have faced issues with consumer reporting agencies over errors and disputes that mar their creditworthiness. What has seemed like a one-way street might now become a level field soon. A settlement agreement the New York Attorney General’s office secured this past Monday requires the three credit bureaus — Experian, Equifax and Transunion — to add more staff and other resources to improve credit report accuracy, increase fairness and efficacy in resolving disputes, and protect New York consumers from harm to their credit reports owing to medical debt. It also raises hopes that other states would take the cue and institute similar reforms. Even so, a debate has ensued over whether the settlement will genuinely bring respite to consumers or fall short of expectations. “Now, the idea is [the credit bureaus] fight for you with actual human capital to see that your credit report is accurate,” said David Musto , chair of the Wharton finance department.…