Know what to look for on your reports
The mistakes that quietly drag scores down — and exactly what to look for on your reports.
What to look for on your reports
Not every negative item is inaccurate, but these are the types of information worth checking against your own records.
Late payments
Reported late dates that don't match your records.
Collections
Accounts sent to collectors you don't recognize.
Charge-offs
Written-off balances that may be misreported.
Repossessions
Voluntary or involuntary repo records with errors.
Foreclosures
Outdated or improperly filed foreclosure entries.
Bankruptcies
Dismissed or obsolete bankruptcies still showing.
Hard inquiries
Pulls you never authorized or don't recall.
Identity-theft marks
Accounts opened in your name by someone else.
Judgments & liens
Obsolete civil items that should have aged off.
Wrong personal info
Misspelled names, old addresses, mixed files.
What you can do
You may dispute inaccurate information yourself at no cost. If you want help organizing a report review or preparing disputes, a specialist can explain the process and your options. If a situation may require legal advice or court action, an attorney should evaluate it separately.
Ready to see what’s on your reports?
A free consultation takes about five minutes. We’ll show you exactly what we’d challenge first — no pressure, no card.