These 5 Common Credit Report Errors Are Ruining Your Credit

I’m glad you followed my advice and ordered your credit report from annual credit report dot com and subscribed…. right?

Now let’s go over exactly what I do when I get my credit report.

What I do is look for errors. If my credit score is going to affected negatively it’s not going to be because of something I didn’t do..

This is easy so grab your favorite highlighter  and your credit report and lets go find some errors

Leave a comment below specifying the weirdest thing you found in your credit report.



  • Ms Lici /

    I like! The craziest thing on my credit report was bills from a family member's address with my nick name for a 1st name and wrong middle initial. #ratchetFamilyMembers so I had to 'HI-LIGHT IT!'

  • URFinanceSimple /

    Bahahah … Rachet Family Members Though.. On Wed, Oct 3, 2012 at 7:44 PM, YFS <> wrote: approve

  • The only mistake on mine was that the address wasn't current. But that one made me jump through hoops to even get the report – had to send in 3 kinds of documentation!
    My recent post Six Reasons to Work in a Small Company

  • URFinanceSimple /

    Great find! I talk about how to fix the address and name issues in my next video 🙂 On Wed, Oct 3, 2012 at 10:14 PM, YFS <> wrote: approve

  • Love your video and advice. I need to correct an account that has my brother's old mailing address. HIGHLIGHT IT!
    My recent post Don’t Leave Money (Gift Cards) on the Table

  • URFinanceSimple /

    Correcting addresses and names could be a hassle. I sure hope it didn't take too long to get it all fixed.

  • bhardeman /

    This is a great video! I've never found errors on my credit reports (knock on wood), but I have heard stories of wrong addresses and completely incorrect accounts. Yikes.

  • URFinanceSimple /

    Credit reports always have incorrect information on them :-/

  • AverageJoe /

    Your name isn't Delicious? I think you could have been an awesome Delicious from Detroit.

    I'm a little disappointed you aren't.
    My recent post Five Money-Saving Tasks That’ll Help You Cha-Ching! in the 4th Quarter

  • URFinanceSimple /


  • My report still has our car loan – that we paid off in April – as active. Guess I'll be making some calls Monday morning…
    My recent post Setting Up Your Investment Strategy

  • URFinanceSimple /

    Yup start making some calls! My next video goes over how to dispute the errors.

  • It is actually a nice and useful piece of information.
    I’m glad that you shared this useful information with us. Please stay us informed like this. Thank you for sharing.

  • […] at Your Finances Simplifed has an interesting post on 5 Errors that are ruining your credit report.  I’ve had a few mistakes like this, and it takes time to clear them up and it’s […]

  • […] In a recent Two Guys And Your Money Podcast, (where I serve on the amazing roundtable) Dom from Your Finances Simplified was discussing his latest video on disputing information in your credit report. […]

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