Denied an Auto Loan? Your Reports May Contain Errors

• Accounts that aren't yours — a mixed file or identity error can put someone else's history on your report.
• Late payments reported in error — payments you made on time, recorded as late.
• Duplicate collections — one debt, listed twice, looks like double the trouble to a lender.
• Wrong balances or limits — inflated utilization makes you look riskier than you are.
• Unauthorized inquiries — hard pulls you never approved, dragging your profile down.

You can't fix what you haven't read. Pull your reports from all three bureaus and go through them line by line — personal information, accounts, payment dates, balances, collections, inquiries. Our free 27 Credit Report Errors checklist walks you through every category.

Reading a report for the first time is confusing — that's exactly why our line-by-line review service exists. We read it with you.

If we find items that are inaccurate, incomplete or unverifiable, we help you dispute them with the bureaus and creditors — properly documented, tracked, and followed up. The bureaus typically have about 30 days to investigate; results vary by item and by report.

One honest limit up front: accurate, timely negative information cannot legally be removed, and no one can guarantee an approval or a score increase. What we can do is make sure your report is accurate before your next application — and teach you what lenders actually look at.