When reviewing your credit report, check that it contains only items about you. Be sure to look for information that is inaccurate or incomplete.
Some common errors in credit reports are:
Identity errors
Errors made to your identity information (wrong name, phone number, address)
Accounts belonging to another person with the same or a similar name as yours (this mixing of two consumers’ information in a single file is called a mixed file)
Incorrect accounts resulting from identity theft
Incorrect reporting of account status
Closed accounts reported as open
You are reported as the owner of the account, when you are actually just an authorized user
Accounts that are incorrectly reported as late or delinquent
Incorrect date of last payment, date opened, or date of first delinquency
Same debt listed more than once (possibly with different names)
Data management errors
Reinsertion of incorrect information after it was corrected
Accounts that appear multiple times with different creditors listed (especially in the case of delinquent accounts or accounts in collections)
Balance Errors
Accounts with an incorrect current balance
Accounts with an incorrect credit limit
If you find errors, you should contact the credit reporting company who sent you the report, and the creditor or company that provided the information (called the “furnisher” of the information). Your credit report includes directions about how to dispute inaccurate or incomplete information.
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