873,400 complaints have been filed to the Credit Bureau this 2022 year

That’s right…873,400 complaints were filed to the Credit Bureau this 2022 year.

You want to make sure that your disputes aren’t being filed into File 13 because there was no traction, or they just responded to you via “automation”.

Here Are The Top 3 Errors To Look Out For

Personal Information Errors

There are times when credit bureaus confuse one consumer with someone else or when credit reports list incorrect addresses. These incidents are primarily caused by identity or personal information errors. Here are some of the most common identity errors that you should look out for:

• Incorrect name
• Misspelling of your name
• Incorrect middle initial
• Incorrect contact information (e.g., phone number and address)

Mistaken Accounts

Audit the number of open accounts recorded in your credit report. There are situations when a retail credit card or loan may be opened under your name, but you actually were not involved. It may happen due to clerical error or identity theft.

Account Reporting Errors

Errors may happen in the actual status of your accounts, too. Among all these inaccuracies, missed and late payment dates are one of the most alarming. If taken for granted, you may end up defaulting on your payments. Even worse, these errors can cut back your credit rating significantly.

If you need more effective ways to have errors removed from your Credit Report…

Here are some resources to get you going

Review Your Credit Report Here

Create A Budget Here

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Thankfully,

Shani