Credit Report Errors & Identity Theft

Credit report mistakes can derail your ability to rent, borrow, or get a job. The Fair Credit Reporting Act (FCRA) allows you to dispute and correct these errors.

We commonly see:

• Accounts showing up that you never opened

• Mixed files — someone else's credit on your report

• Incorrect balances or late payments

• Disputes filed but not corrected

Before calling us:

• Pull your reports from www.annualcreditreport.com

• Highlight the inaccurate entries

• Send us any prior dispute letters

Identity Theft FAQs:

What is the first thing I should do if I suspect identity theft?

• You must act fast. Start by placing a fraud alert with one credit bureau, freeze your credit to block new accounts, file a report at www.IdentityTheft.gov, and notify your bank and credit card companies to freeze compromised accounts.

Can I dispute fraudulent accounts on my credit report myself?

• Yes. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate or fraudulent items. Send a dispute letter to the credit bureau and the company that reported the account. Include:

• A copy of your credit report with the errors highlighted.

• A police report or Identity Theft Report (if available).

• Copies of any supporting documentation.

Helpful resources:
- FTC Identity Theft Sample Letters: https://www.identitytheft.gov/Sample-Letters  
- CFPB Help: https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/