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Items To Look For When You Are Reviewing Your Score


  • ​This account does not belong to me.

  • ​This is a duplicate account.

  • I never authorized this account.

  • The balance on this account is incorrect.

  • There is no past due balance on this account.

  • This account is closed with a $0 balance and has a positive payment history.

  • You are not reporting the correct limit on my account. This account was included in a bankruptcy and should have a $0 balance

  • I was not 30, 60, 90 or 120 days late on this account.

  • This account was paid.

  • This account was closed by me, not the creditor.

  • The open date on this account is incorrect.

  • This account is still open.

  • I am only an authorized user on this account. Please remove it.

  • You are reporting my home equity line of credit as a revolving account.

  • I never authorized this inquiry.

  • This public record has been satisfied/released/dismissed/vacated.

  • You are listing the wrong file/released/satisfied date on this public record.

  • The date of last activity on this account is incorrect.

  • This account never went into foreclosure/repossession.

  • The 7-year reporting period has expired on this account.

  • The statute of limitations on this account expired. You cannot report it or re-insert it.

  • You are reporting someone else’s information on my credit report that has the same name that I do.

  • You are reporting the wrong social security number, birth date, spouse’s name, phone number on my credit report.

  • You are reporting wrong/expired/misspelled addresses on my credit report.

  • You are reporting misspelled/wrong names on my credit report.

  • You are reporting outdated/wrong employment information on my credit report.

  • This student loan account has been deferred.

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