Incorrect or Outdated Credit Listings
Does a credit listing look wrong or too old? Check the creditor, account, amount, date and status first. Accurate adverse information is not automatically removable.
Related articleIncorrect Information on a Credit Report: What to Do
PINPOINT THE DIFFERENCE
Identify what is wrong
Pinpoint any wrong account, amount, status, date, payment record or ID match.
COMPARE THE RECORDS
Check the source information
Compare the bureau entry with the lender’s records, statements and settlement proof.
A CHALLENGE WITH CONTEXT
Use the formal challenge route
Use the bureau’s free dispute process and keep the reference number and written response.
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