What Types of Errors Should People Look for in a Credit Report?

Nearly every report we audit contains at least one error, and some contain several. The usual suspects: accounts that are not yours, late payments that were actually on time, balances that never updated after payoff, and collections past the reporting limit.

Pull all three bureaus and compare them line by line. Circle anything you do not recognize, any date that looks wrong, and any duplicate negative entry. Screenshot everything before you dispute, so you have a record of what the bureaus showed and when.

Dispute in writing, one issue at a time, with supporting documents attached. Bureaus must investigate within 30 days. If an error comes back verified, escalate with a method-of-verification request or get professional help. Our audit finds the errors most people walk right past.