How to check for errors on your credit report

Once you have your credit report, it’s time to check for errors. There are a lot of different errors you might want to look for, but the the most important thing to remember is that if something looks incorrect or inaccurate, it might be an error.

Here are some common errors you might want to look for:

Identity errors

Identity errors include things like a misspelled name or a wrong address. This might also include errors that are the result of identity theft. You may also have accounts incorrectly attributed to you.

Balance errors

If your credit limit is reported as too high or too low, there might be a balance error on your credit report. Similarly, you’ll want to make sure that your credit card balance, or the amount you owe, is reported correctly as well.

Account status errors

These type of errors include accounts that are reported as open but are actually closed (and vice versa). Account status errors also include payments that are reported incorrectly and account ownership errors.

If you notice any of these errors, it’s important to take steps to correct the mistake as soon as possible.