Credit Report Analysis & Error Corrections

Credit Report Analysis That Finds the Real Score Killers

Identify inaccuracies, document supporting evidence, and correct reporting errors using a structured, compliance-first method designed for consumers in the USA & Canada.

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Accuracy-first. Documentation-driven. No unrealistic promises.

  • What to Pull & to Compare
  • The Error Categories
  • High-Impact Fields to Check
  • Evidence Checklist
  • Correction Workflow
  • Dispute Tracking Log
  • Personal vs Business Reports
  • FAQs

Analysis = Audit the Data, Not Just the Score

A credit score is simply the outcome; the real story lies within the underlying report data. Proper analysis examines account details, balances, limits, payment history, dates, and status codes—not just the score itself.

A structured audit uncovers inconsistencies, documentation gaps, and reporting errors that may influence underwriting decisions, then prioritizes corrections based on verified evidence and measurable impact.

Key Outcomes:
  • Identify inaccurate, incomplete, or unverifiable items where documentation supports correction
  • Reduce hidden risk signals such as duplicated accounts, incorrect limits, or reporting inconsistencies
  • Establish a clean baseline before implementing utilization or tradeline strategies

Start With Complete, Comparable Reports

Before reviewing errors, obtain complete, up-to-date consumer disclosures from all major credit bureaus in your country. Because each bureau maintains its own file, inaccuracies may appear on one report but not another, making side-by-side comparison essential for lender and scoring consistency.

  • Request consumer credit reports from every major bureau operating within your country.
  • Recent account statements and payoff letters (if disputing balances or status)
  • Identity documentation (only when addressing mixed file or identity discrepancies)

The Errors That Actually Happen (and Matter)

Most reporting issues fall into identifiable categories. Targeting the exact field — not the entire account — leads to stronger,
documentation-supported corrections.

1. Identity / Mixed File Errors

Incorrect name variations, addresses, employers, or data belonging to another individual with a similar identity.

2. Account Ownership Errors

Accounts that are not yours, incorrect authorized user designations, or duplicate reporting of the same account.

3. Balance / Limit Errors

Incorrect current balances, missing credit limits, or reporting that inflates utilization signals.

4. Payment History Errors

Late payments that do not align with billing statements or payment confirmations.

5. Status Errors

Accounts reported as open vs. closed incorrectly, paid accounts marked unpaid, or charge-off statuses misreported.

6. Date Errors

Incorrect open dates, last activity dates, or delinquency timelines that affect aging models.

7. Inquiry Errors

Unrecognized inquiries, duplicated entries, or incorrect classification (hard vs. soft pull).

Microcopy:

Effective disputes target specific data fields — not blanket requests to “remove the account.”

If You Only Check 10 Things, Check These

Some reporting fields influence underwriting models more than others. Prioritize reviewing these high-impact data points first:
  • Payment history accuracy (late marks and delinquency dates)
  • Revolving limits and current balances (utilization calculations)
  • Account status reporting (open/closed, paid/collection, charge-off)
  • Duplicate tradelines (same obligation reported multiple times)
  • Collections ownership and assignment dates
  • Identity accuracy (name variations, address history, ID mismatch indicators)
  • Authorized user designations and responsibility codes
  • Date of first delinquency (for aging and compliance review)
  • High-balance vs. current-balance inconsistencies
  • Recent inquiry clustering