Your credit report is not beyond question.
If a balance, date, status, inquiry, or account looks wrong, you can ask where it came from and challenge it. Start by naming the exact problem; we will help you gather the facts and keep control of the next step.
Not sure which fits? Compare the descriptions below and choose the closest match. Reviewing your own reports doesn't lower your score.
About 1 in 5 consumers finds an error on at least one of their three credit reports, per the FTC. Compare all three reports because the same item may not appear on each one.
Choose the issue showing on your report
Choose the closest match. Each page lists documents to gather, dispute steps for the bureau and furnisher, and details to check after a response.
Wrong Balance on Your Credit Report
Use this page when a report balance, amount past due, credit limit, or payoff status does not match your statement or lender records.
Open page Collection StatusPaid Collection Still Showing Unpaid
Use this page when payment or settlement records show a collection was resolved but a credit report still lists a balance or unpaid status.
Open page Duplicate DebtDuplicate Collection Account on Your Credit Report
Use this page when two collection entries may refer to the same original debt, especially after a transfer or sale.
Open page Mixed FileAccount That Is Not Yours on Your Credit Report
Use this page when you do not recognize an account and need to distinguish an unfamiliar creditor name from a mixed file or identity theft.
Open page Late PaymentWrong Late Payment on Your Credit Report
Use this page when a 30-, 60-, or 90-day late mark does not match your statements, payment confirmations, or account agreement.
Open page Reporting DatesOld Debt Re-Aged or Wrong Delinquency Date
Use this page when the date of first delinquency, estimated removal date, or age of a collection or charge-off appears wrong.
Open page Medical CollectionMedical Collection After Insurance or Payment
Use this page when a medical collection remains after insurance payment, direct payment, a billing adjustment, or financial assistance.
Open page InquiryHard Inquiry You Do Not Recognize
Use this page when you do not recognize a hard inquiry and need to check whether it came from a lender, an application, or identity theft.
Open page Identity InformationWrong Address, Name, or Employer on Your Credit Report
Use this page when a name, address, employer, phone number, or Social Security number variation is wrong or unfamiliar.
Open page Identity TheftIdentity-Theft Account on Your Credit Report
Use this page for an account created through identity theft. It covers FTC reports, fraud alerts, freezes, disputes, and FCRA block requests.
Open pageFour steps for documenting a report error
The documents vary by issue. Compare all three reports, identify the exact item, gather proof, dispute with the bureau and furnisher, and then check the updated reports.
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Pull current reports from Equifax, Experian, and TransUnion.
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Mark the exact field that's wrong: bureau, account, date, balance, status, or identity detail.
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Gather copies of statements, letters, payment records, identity records, or fraud reports.
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Track dispute dates, confirmation numbers, responses, and whether the same item returns later.
Credit reports and scores
Read how credit reports are organized, which details to check, and which factors can affect a credit score.
About Credit Proud: Credit Proud is independently owned and is an affiliate marketing partner of Credit Wellness. Its educational resources are free.
Start with the report item that brought you here.
Enter one item or upload your report. CreditHusky asks focused questions, keeps your answers and records together, and shows a recommended path before you decide whether to continue.
First review free. No card or credit report required.
CreditHusky is consumer-rights software from Credit Wellness LLC, not a law firm or credit-repair company. It does not promise a result. You can dispute inaccurate credit-report information yourself for free.