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There are lots of items which can influence your credit report and tank your own score

Based on the FCRA’s provisions, you can recover and dispute any negative information on your document. Mostly, if the credit bureau can not confirm the information, it must delete it. The three data centres — Experian, Equifax, and TransUnion — are prone to making mistakes in reports. According to the FCRA, at least 20% of US citizens have mistaken in their credit reports. Since your…