Some are major errors which affect your credit score. When you come across these kinds of errors, it is better to raise a dispute for it as early as possible. The most concerning errors are those that could hurt your scores or the ones that suggest identity theft. Those include:
- Wrong account status (such as a payment mistakenly reported late when you paid on time).
- Negative information that’s too old to be reported; most derogatory marks on your credit must be removed after seven years.
- An ex–spouse incorrectly listed on a loan or credit card.
- Wrong account numbers or accounts that aren’t yours.
- Inaccurate credit limits or loan balances.
- Accounts you don’t recognize.
- Addresses where you’ve never lived.
Hope this is enough for you to understand what you should do and what you should not do. But you would have a question that after finding errors, which should be disputed, and how should they be disputed.