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Credit reports and scores

What are errors that show up in credit reports?

Errors in credit reports may occur. Some common errors are:

Identity errors:

  • Errors made to your identity information (wrong name, phone number, address)
  • Accounts belonging to another consumer with the same or 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
  • 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

Data management /processing 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)
  • Information appears that should no longer be on your credit report, such as a debt that is more than seven years old
  • Credit accounts in your file that don’t belong to you

Balance Errors

  • Accounts with an incorrect current balance
  • Accounts with an incorrect credit limit

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