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The things on your credit report will determine if you are eligible for a loan, a good interest rate, or even if you can be considered for a job. Your credit score and your credit report are two different things, but they come from the same information and are entwined when you need credit. Though you may hear about how to fix your credit report when you have bad marks, what about the marks that are not yours? You may be surprised to find that there are mistakes on your report that are pulling your credit down when they should not be there.

Look over each and every entry on your credit report. Did you know that someone with the same name, or someone with a similar social security number may have bad debts that show up on your credit report? If you are sure the debt is not yours, you should contest the entry. You will have to prove that the person is not you, but that should not be too hard when the entry is a mistake. Many don’t look hard enough when they want look at their report. When you fix your credit report, this is one of the first things that you should check out.

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