A report records account and identity information supplied to a bureau; a score is a calculation based on information in a particular file.
A report records account and identity information supplied to a bureau; a score is a calculation based on information in a particular file.
What to do
Read the report to find the data behind a concern. Ask which score model and bureau a lender used when a number differs from an app.
Check the outcome
Save a dated copy of the relevant report, statement, or agreement. Verify the actual account terms and subsequent updates. A tool or dispute cannot guarantee a score increase or remove accurate information merely because it is unfavorable.
Resources
CreditAhead: https://disputes.safeskyconsulting.com/ Official consumer resource: https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/
Get the free CreditAhead DIY guide
Use the A-to-Z PDF to organize credit reports, errors, and next steps.
This article shares general tips. It is not legal or money advice for your own situation. Results are different for each person.
