Check the "Date of First Delinquency" and ensure it matches the seven-year rule. 4. Wrong Personal Information
You paid off that high-interest credit card, but it still shows a maximum balance and a high utilization rate.
Creditors can only report negative information for a specific amount of time—usually seven years. Sometimes, debts are "re-aged" to make them appear newer than they are.
[] and take the first step toward a higher score and better financial health.
