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 may not match your records.
Collections
Collection accounts you may not recognize or whose details may be incomplete.
Charge-offs
Written-off balances whose reporting details may be inaccurate.
Repossessions
Voluntary or involuntary repossession records that may contain errors.
Foreclosures
Foreclosure entries that may be outdated or reported incorrectly.
Bankruptcies
Bankruptcy details that may be inaccurate, incomplete, or beyond reporting periods.
Hard inquiries
Credit inquiries you may not recognize or recall authorizing.
Identity-theft marks
Accounts or activity you believe may result from identity theft.
Judgments & liens
Civil-record information that may be inaccurate, obsolete, or improperly reported.
Wrong personal info
Misspelled names, unfamiliar addresses, or potentially mixed-file information.
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 explain what may warrant a closer review — no pressure, nothing charged today.