An unknown account can result from someone opening credit in your name or from the bureau combining another person's records with yours.
An unknown account can result from someone opening credit in your name or from the bureau combining another person's records with yours.
Review the records
Inspect names, addresses, account dates, and lender records. Use the identity-theft recovery process if someone misused your identity; explain a mixed-file linkage clearly in bureau disputes.
Choose the appropriate action
If the information is accurate, use the account records to plan the next step. No dispute or calculator can guarantee a particular score change.
Resources
CreditAhead resource: https://safeskyconsulting.com/diy/free Consumer guidance: https://consumer.ftc.gov/articles/credit-scores
Use CreditAhead's free A-to-Z credit guide
Learn the DIY steps and keep a clear record of your decisions.
This article shares general tips. It is not legal or money advice for your own situation. Results are different for each person.
