@irv.official: Like this post + comment “TOOL” and I’ll DM you the tool that helps you clean and boost your credit properly. Equifax was sued over credit score errors and agreed to pay $100 million. This coding error caused Equifax to misreport as a result lowering credit scores for an estimated 4 million consumers. Here’s the lesson: don’t assume everything on your credit report is accurate. If something is reporting incorrectly, outdated, or doesn’t belong to you, you have the right to dispute it. But cleaning your credit isn’t about randomly disputing accounts or paying everything off. It starts with knowing exactly what’s negatively impacting your credit and what information may be inaccurate. Most people guess. The smart approach is to use the data on your reports and attack the right items. Comment “TOOL” and I’ll send you the tool that helps you analyze what’s hurting your credit so you know what to address.