Why your credit score may not be your fault
We’ll start with the bad news: credit report errors are very common. The good news? Filing a dispute won’t hurt your credit score. With Kikoff Disputes, it’s easier than ever – we’ve helped over 120,000+ users submit over 480,000 disputes in minutes.
What are the most common errors on a credit report?
Sometimes creditors get it wrong. And it’s surprisingly common – according to the FTC, 1 in 5 people have an error on at least one of their credit reports. These errors may be lowering your credit score. The most common errors are:
- Identity Errors
- Example: Incorrect accounts appear on your credit report due to identity theft
- Incorrect reporting of account status
- Example: Closed accounts show up as open on your credit report.
- Data errors
- Example: Accounts on your credit report have an incorrect current balance
How can I find an error on my credit report?
We recommend that you review your full credit report in detail. Luckily, you can get a copy of your Equifax, Experian, and TransUnion credit report with your Kikoff account.
Firstly, it’s important to check that the accounts on your report are your own accounts. Next, you should check the reporting data of each account and ensure that this information is accurate and complete.
If you find an error, you can you mail a dispute letter to the credit bureaus yourself, or streamline the process in minutes with Kikoff Disputes. Kikoff Disputes can help you through the process of disputing an error on your credit report in just a few clicks.
Does filing a dispute affect your credit score?
No, your credit score has nothing to lose. Credit agencies can choose to deny your dispute, but filing a dispute will not hurt your score.
How does Kikoff Disputes work?
- Sign up for a Kikoff account.
- Select up to 5 items every month.
- Click Send the Letter and we’ll take care of the rest.
Learn how to send your customized request to the bureaus in minutes with Kikoff Disputes.
