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Credit report guide

Credit Report Error Checklist

Review common credit-report issues before deciding what to dispute.

Step 1

Check identity information, account ownership, balances, payment status, duplicate accounts, dates, inquiries, and public records.

Step 2

Mark only items with a specific potential issue and keep supporting records close to the item.

Step 3

A checklist is a starting point; the strongest workflow connects every action to evidence.

Important note

This guide is educational and does not provide legal, credit, or mortgage advice. FixMy.Money helps organize credit-report workflows and does not promise score changes, deletions, or approvals.