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1 in 4 consumers had potentially material errors on their credit reports according to a 2012 study by the FTC [1]. A more recent (2021) survey by Consumer Reports [2] indicates that credit reporting errors now impact a staggering 34% of consumers.
The same item can incorrectly show up multiple times on your credit report. Collection agencies often sell debt to other collection agencies, which creates confusion and sometimes leads to duplication.
Errors related to personal information are one of the most common credit report inaccuracies. These errors can be as simple as an incorrect address or as complicated as mistaken identity.
Most negative items should automatically be removed from your credit report after 7 years, although items such as bankruptcy can remain for up to 10. It is important to check for outdated items.
If a creditor lets you defer payments, make a partial payment or forbears any delinquent amounts - they are required to report your debt as "current".
First your credit report will be analyzed in detail to determine which, if any, negative items are wrongfully impacting your score.
Next, the major credit bureaus and your creditors will be asked to verify the accuracy and fairness of these negative items. If they can't, they are required to remove them.
As you work to manage and build your credit, monitoring for unexpected changes can help you address issues as they arise.
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