CREDIT INFO

Understand Your Credit — And Take Control of It

Your credit profile is one of the most important financial tools you have. Clear, accurate credit reports can open the doors to better opportunities—while errors, outdated information, or unfair negative items can hold you back.

What Makes Up a Credit Score?

Credit scores are influenced by several factors:

Payment History: On-time or late payments
Credit Utilization: How much of your credit limits you’re using
Length of Credit History: Age of your accounts
New Credit & Inquiries: Recent applications
Types of Credit: Mix of loans and revolving accounts

Common Credit Report Errors

These mistakes happen more often than most people think:

Incorrect late payments
Duplicate accounts
Outdated negative items
Wrong personal or employment information
Accounts that don’t belong to you
Hard inquiries you never authorized

Why Errors Occur

Creditors and bureaus process millions of data points every day. Mistakes happen due to:

Manual data entry errors
Outdated reporting
Mixed credit files
Miscommunication between lenders and bureaus

How Errors Affect You

Incorrect information can lead to:

Loan and credit card denials
Higher interest rates
Difficulty securing housing or auto financing
Lower credit limits
Limited financial opportunities

The Good News

You can dispute inaccurate or unverifiable information—and we can help you do it the right way.

Understand Your Credit — And Take Control of It

Your credit profile is one of the most important financial tools you have. Clear, accurate credit reports can open the doors to better opportunities—while errors, outdated information, or unfair negative items can hold you back.