Errors on your credit report are shockingly common. Like, one in five reports has a mistake. You might be paying for a ghost cable bill from 2012 that isn’t even yours.
Get your free report from AnnualCreditReport.com (it’s the only official one, don’t fall for paid ads). Look for accounts you don’t recognize, wrong addresses, or incorrect late payments.
If you find an error, dispute it immediately. The credit bureau has 30 days to investigate. If they can’t verify it, it gets erased. Boom—that alone can give you twenty or thirty points, easily.
