It is estimated that as many as 80% of credit files have errors. If your credit report contains errors, it is often because the report is incomplete, or contains information about someone else. This typically happens because:
- You applied for credit under different names (for example, Margaret Jones versus Margaret Jones-Smith)
- Someone made a clerical error in reading or entering name or address information from a hand-written application
- You gave an inaccurate Social Security number or the number was misread by the lender
- Loan or credit card information was inadvertently applied to the wrong account