Common credit report errors that you should dispute

What types of credit report errors can be disputed?

With multiple accounts and years of history, errors are more common than most people think. Fixing the errors can improve your credit worthiness to the three credit bureaus and impact your credit score in a positive way.

The old derogatory mark error

A hard inquiry should fall off your credit report after 2 years. A collection, charge-off, or late payment should fall off your credit report after 7 years. If you find that these old derogatory marks haven’t fallen off your credit report, you should consider disputing them with the credit bureaus.

The medical collection error

If you had a medical collection under $500, a paid medical collection, or a collection less than year old your credit report, we recommend that you check that these collections don’t appear on your credit report.

Can’t correct these errors? Submit a complaint with the CFPB

If you’re having issues disputing these errors, you can consider submitting a complaint to the Consumer Financial Protection Bureau.

Let Kikoff handle your disputes

Kikoff Disputes can help you through the process of disputing an old derogatory mark error or medical collection error on your credit report with just a few clicks.

  1. Sign up for Kikoff.
  2. Select up to 5 items in a month.
  3. Click Send the Letter and we’ll take care of the rest.

For more tips on taking care of credit report errors easily, visit Kikoff Disputes.

The information provided in this blog post is meant for informational purposes only and does not constitute financial advice. Kikoff Inc. is a financial technology company and not a bank. The Kikoff Secured Credit Card is issued by Coastal Community Bank, Member FDIC. Terms and conditions apply & individual results may vary. Make consistent on-time payments to maximize credit building potential.  Credit factors outside Kikoff, like other account balances or delinquencies, can have an impact on credit building progress.  Subject to approval via identity verifications and subject to terms and conditions. Kikoff Credit Account reported line of credit intended exclusively for credit building purposes & can be used to finance the purchase of monthly Credit Service plans and/or digital educational material via the Kikoff Store. For more information, visit our Terms and Conditions and Privacy Policy. We report to the major credit bureaus: Equifax, Experian, and TransUnion. Features, tradelines, bureau reporting, & pricing may vary depending on plan purchased. This post may contain marketing messages and advertisements in compliance with the CAN-SPAM Act. Please refer to our Secured Card and Credit Account Terms for detailed product disclaimers.

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