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It is critical to first review all the personally identifying information in the credit reports, including:
- Names and Aliases
- Addresses
- Social Security Number(s)
- Date(s) of Birth
- State ID Number(s)
- Spouse Information
- Employers
Note whether this information is in any way inaccurate, incorrect, erroneous, misleading, or outdated. You must dispute these mistakes first, because this data is used to help verify the credit items on your credit report. Frequently, when an item not yours appears on your report, it gets there and stays there because it somehow matches up with some incorrect personally identifying information. By disputing these first, other erroneous items will no longer match your file.
So, for each credit report, carefully note any records which you believe to be inaccurate, incorrect, erroneous, misleading, or outdated. It does not matter whether you think the information is negative, neutral, or even positive, if it is in anyway erroneous it should be removed.
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