- This account does not belong to me.
- This is a duplicate account.
- I never authorized this account.
- The balance on this account is incorrect.
- There is no past due balance on this account.
- This account is closed with a $0 balance and has a positive payment history.
- You are not reporting the correct limit on my account. This account was included in a bankruptcy and should have a $0 balance
- I was not 30, 60, 90 or 120 days late on this account.
- This account was paid.
- This account was closed by me, not the creditor.
- The open date on this account is incorrect.
- This account is still open.
- I am only an authorized user on this account. Please remove it.
- You are reporting my home equity line of credit as a revolving account.
- I never authorized this inquiry.
- This public record has been satisfied/released/dismissed/vacated.
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You are listing the wrong file/released/satisfied date on this public record.
The date of last activity on this account is incorrect.
This account never went into foreclosure/repossession. - The 7-year reporting period has expired on this account.
- The statute of limitations on this account expired. You cannot report it or re-insert it.
- You are reporting someone else’s information on my credit report that has the same name that I do.
- You are reporting the wrong social security number, birth date, spouse’s name, phone
- number on my credit report.
- You are reporting wrong/expired/misspelled addresses on my credit report.
- You are reporting misspelled/wrong names on my credit report.
- You are reporting outdated/wrong employment information on my credit report.
- This student loan account has been deferred.
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