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You are reporting outdated/wrong employment information on my credit report.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