HOOK
Think your credit score is low because of one bad choice? Sometimes it’s not your spending—it’s an error on your credit report.
[B-roll: person reviewing a credit report on a laptop, highlighting suspicious items]
KEY POINT 1
The first thing to check is account accuracy. Look for late payments you don’t recognize, balances that don’t match your statements, or accounts that were paid off but still show a debt.
[B-roll: close-up of credit report line items being compared to bank statements]
KEY POINT 2
Next, watch for duplicate or mixed files. That’s when the same debt appears twice, or someone else’s account ends up on your report because of a name mix-up. Both can drag your score down unfairly.
[B-roll: two similar names on-screen, one item being circled and crossed out]
KEY POINT 3
Third, check for outdated negative marks. Most accurate negative items don’t stay forever. If something is too old, it may need to come off your report—and you can dispute it with the bureaus.
[B-roll: calendar pages flipping, item on report highlighted with “date opened” and “date reported”]
CTA
If you’re trying to repair credit, start with the report—not the score. Pull all three reports, review them line by line, and dispute anything that’s wrong in writing. Want a simple dispute checklist? Check the link and keep going.
[B-roll: hand clicking “request reports,” checklist appearing on screen]
