Your credit score is a starting point. Understand the story behind it.
Learn what a score represents, why scores differ, and what deserves your attention.
Read the guideReporting concerns
A collection on your report? Start with the details.
Understand what to check before deciding your next step.
Identify the account
Review the creditor, collector, balance, and relevant dates. A collection entry deserves attention, but its presence alone does not mean the reporting is wrong.
Check your records
Compare statements, correspondence, and payment documentation. If you do not recognize a debt, investigate its source before taking action.
Address factual errors
Describe exactly what you believe is inaccurate and keep supporting copies. Credit reporting disputes and debt collection rights are related but separate processes; consult an appropriate professional for your situation.
Continue with trusted resources
CFPB: Disputing a credit report errorResults vary by individual credit profile. No score increase, deletion, or credit approval is guaranteed. Accurate and timely negative information generally cannot be removed simply because it affects a credit score. You can dispute credit report errors yourself at no charge.
General educational information. Not legal or individualized financial advice.
