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Credit report guide

Inconsistent Dates on a Credit Report

Separate account opening, last activity, report update, and payment dates.

Step 1

Write down the label attached to each date. Dates describing different events should not be treated as discrepancies.

Step 2

Compare the same date field across bureaus and your source documents for matching accounts.

Step 3

If the same field conflicts, retain the report page and supporting record. Prepare a precise factual request only after reviewing the 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.