How to Fix Mistakes on Your Credit Report

You can do it yourself — without a credit repair company

Andy Spears


Photo by Gabrielle Henderson on Unsplash

In the wake of news that most medical debt will be removed from consumer credit reports this summer, you may be wondering how to be sure your credit report is accurate going forward.

An accurate credit report matters because your credit score is used for things like getting a mortgage or renting an apartment and can come into play when financing a car or even when getting insurance.

According to this article at CNBC, having medical debt removed from a credit report could improve your score by as much as 100 points.

If medical debt that has gone to collections is the only blemish on your report, once it comes off, your score could increase by about 100 points, Rossman (of Bankrate) predicts. The impact will be lower for someone who has other missteps, he said.

Sometimes, though, the credit reporting agencies (Experian, Equifax, TransUnion) make mistakes. This means your medical debt might not be removed as expected OR there may be other errors on your report.

More than one-third of Americans found at least one error on their credit report, according to a 2021 Consumer Reports investigation.

Here’s how you can start the work of ensuring your credit report is accurate.

“You should always be checking your credit report,” said Chi Chi Wu, staff attorney at the National Consumer Law Center.

The reports are available through

Also, don’t be tempted by credit repair companies. Many of them (illegally) charge upfront fees and most of them do work that you can do yourself.



Andy Spears

Writer and policy advocate living in Nashville, TN —Public Policy Ph.D. — writes on education policy, consumer affairs, and more . . .