Credit Report Error Checklist

Personal information

• ☐ Name spelled correctly — and no names that aren’t yours
• ☐ Current and past addresses are ones you actually lived at
• ☐ Social Security number and date of birth are correct
• ☐ Employers listed are yours

Every account

• ☐ The account belongs to you (not a relative or someone with a similar name)
• ☐ You are listed correctly — individual, joint or authorized user
• ☐ Open/closed status is right, and “closed by consumer” vs. “closed by grantor” is right
• ☐ Balance, credit limit and high balance match your statements
• ☐ Payment history matches your records month by month
• ☐ Date opened and date of first delinquency are correct
• ☐ Accounts included in bankruptcy show a $0 balance
• ☐ No account appears twice

Collections and charge-offs

• ☐ You recognize the original creditor
• ☐ Only one entry (original creditor or collector) shows a balance
• ☐ The date of first delinquency matches the original account
• ☐ Paid medical collections, or medical collections under $500, are not listed
• ☐ Disputed debts are marked as disputed
• ☐ Nothing is older than 7 years (plus 180 days) from the original delinquency

Public records

• ☐ Any bankruptcy shows the correct chapter, dates and status
• ☐ No civil judgments or tax liens appear (the bureaus generally stopped reporting them)

Inquiries

• ☐ You authorized every hard inquiry