How Mistakes Are Made

Although the frequency of errors has been shown to be very low, if your credit report contains an error, it can be because the report is incomplete, or it might contain information about someone else. This typically happens because:

• You applied for credit under different names (Mary Jones, Mary Jones-Smith, etc.)
• Someone made a clerical error in reading or entering name or address information from a hand-written application
• You gave an inaccurate Social Security number, or the number was misread by the lender
• Loan or credit card information was inadvertently applied to the wrong account