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Credit Score
685
12 points last month
Active Disputes
4
2 pending responses
Negative Items
7
3 removed last month
Potential Issues
3
Needs review
Credit Report Analysis
Identified Issues
3 CriticalOutdated Collection Account
ABC CollectionsThis collection account is older than 7 years and should be removed under FCRA § 1681c.
Incorrect Late Payment
XYZ BankThe reported late payment from 01/2023 appears to be incorrect based on your payment history.
Mixed Credit File
TransUnionYour credit file appears to contain information belonging to another consumer with a similar name.
Dispute Letter Preview
June 10, 2023
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
Re: Dispute of Inaccurate Credit Information
To Whom It May Concern:
I am writing to dispute the following information in my credit report...
1. Creditor: ABC Collections
Account Number: XXXX1234
Reason for Dispute: This collection account is older than 7 years...
Legal Basis: Fair Credit Reporting Act § 1681c...
Relevant Laws
FCRA § 1681c
Most negative information must be removed after 7 years. Bankruptcies can remain for 10 years.
Cortez v. Trans Union, LLC
CRAs must follow reasonable procedures to avoid mixed files and must conduct proper investigations.
Score Impact Simulator
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