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How to identify collection account errors in your credit report

If you see any information in these sections that are not accurate, you have a legal right to dispute them. Common errors you might find include:

  • Someone else’s information appearing on your credit report by mistake
  • The debt is over 7 years old
  • Incorrect data points on amounts and other activities like delinquency, date opened, balance, etc.
  • Negative items that should have been removed by law, like paid off medical bills.