Get a simple checklist to help you review you credit report for common errors. Get your free credit report and score at Quizzle.com.

1. Common Errors to Look for on Your Credit Report
The first step is to of course get a copy of your credit report.
Quizzle.com will give you a free credit report and score every six months.
Once you have your credit report carefully go through this checklist looking
for some of the most common credit report errors and mistakes.
▢ Inaccurate identification data
It’s not uncommon to find inaccuracies in your name, addresses, employer,
or even social security number.
▢ Unknown or erroneous accounts
This is a tell-tale sign of identity fraud, which is on the rise. Carefully review
every credit account on your credit report and make sure you opened it.
▢ Outdated information
Credit bureaus inherently rely on the accurate reporting of creditors. If you
move, change employers, or creditors buy and sell your accounts (i.e.,
banks merge or mortgage are sold) there is a lot of opportunity for outdated
information to get stuck on your report.

2. ▢ Inaccurate account information
Sometimes creditors just get is wrong and report bad information. The most
common situations are inaccurately reporting credit limits and outstanding
balances, which can play havoc with your credit utilization--a significant
driver of your credit score.
▢ Collections and charge-offs
As you can image, bad debt is a killer on when it shows up on your credit
report and gets figured into your credit score. However, sometimes these
debts don’t belong to you or are not as bad as they look. For example if a
medical debt is prematurely sold to a collections agency, but has been paid
by your insurance company.
▢ Monitor regularly, at least every six months
Creditors report new information to credit bureaus every month. That
means the opportunity for new errors and inaccuracies occur every month.
We recommend that you use this checklist every month in reviewing your
new credit report.