HOOK
Did you know a single mistake on your credit report can drag down your score even if you’ve done everything right? [Close-up of a credit report with highlighted errors]
KEY POINT 1
Start with your personal info. Wrong name, old address, or an account that isn’t yours can be a sign your file is mixed up. Those details matter because they can point to bigger reporting problems. [B-roll of checking name, address, and account list on a phone]
KEY POINT 2
Next, look for duplicate or outdated negative items. A collection account listed twice, or a late payment that’s past the reporting limit, can unfairly hurt your credit. If it looks wrong, save screenshots or download the report before you dispute. [Highlighting duplicate entries and dated late payments]
KEY POINT 3
Then check balances and payment history against your own records. If a paid-off card still shows a balance, or a lender reports a missed payment you made on time, you can dispute it with the credit bureau and the creditor. [B-roll of bank statements, receipts, and online account history]
CTA
Before you try to “repair” credit with a company, pull your free reports and scan for these errors yourself. If you find one, dispute it in writing and keep copies of everything. [On-screen text: “Check, Dispute, Track”]
