Analysis Results

Sample credit report — Jane M. Sample · Analysis completed May 2, 2026 · 3 CRAs analyzed

9
Errors Flagged
3
CRAs Analyzed
4
High Severity
6
Dispute Letters Ready
9 errors found across all 3 CRAs — action recommended
LegacyArmor found inconsistencies, reporting violations, and outdated information that you have the legal right to dispute under the FCRA. Strong dispute grounds on 4 items — these can likely be removed.
4 High 3 Moderate 2 Low
FCRA §611 Dispute Timeline — After You Send Letters
0
Letters sent
15
CRA must acknowledge
30
Investigation deadline
45
Extended if new info

Flagged Items (9)

Capital One Auto Finance — Balance Discrepancy
Account balance reported as $8,420 on Equifax but $6,115 on TransUnion — a $2,305 difference on the same account. Furnishers must report accurate information to all credit reporting agencies simultaneously under FCRA §623.
High Severity Equifax TransUnion Could improve score 20–45 pts
Dispute Strength Strong
FCRA §623(a)(1) — Furnishers of information have a duty to provide accurate information. A $2,305 balance discrepancy across credit reporting agencies is a clear reportable inaccuracy.
Midland Credit Management — Debt Past Statute of Limitations
Collection account for $1,240 opened January 2017 — over 7 years old and past the reporting limit. This account should have been purged from all three CRA files no later than January 2024.
High Severity Equifax Experian TransUnion Could improve score 30–60 pts
Dispute Strength Strong
FCRA §605(a)(4) — Accounts placed for collection may not be reported after 7 years from the date of first delinquency. This account is reportable past its legal expiration date.
Wells Fargo Home Mortgage — Incorrect Late Payment Notation
Experian shows a 30-day late payment in March 2024, but Equifax and TransUnion show on-time payment for the same month. Inconsistent derogatory notations across credit reporting agencies indicate a furnisher reporting error.
High Severity Experian Could improve score 25–50 pts
Dispute Strength Strong
FCRA §611(a)(1) — If you dispute the accuracy of information, the CRA must conduct a reasonable reinvestigation. A cross-CRA discrepancy on a late payment is strong grounds for removal.
Portfolio Recovery Associates — Unverifiable Debt
Third-party debt collection account with no original creditor listed and no account opening date. FDCPA requires collectors to provide written verification of the debt upon request — missing data suggests this account cannot be verified.
High Severity TransUnion Could improve score 15–35 pts
Dispute Strength Strong
FDCPA §809(b) — Debt collectors must cease collection and verify the debt in writing if disputed. Unverifiable accounts lacking original creditor info should be removed under both FDCPA and FCRA §611.
Chase Sapphire Credit Card — Credit Limit Discrepancy
Credit limit reported as $8,500 on Equifax but $5,000 on Experian. An understated credit limit artificially inflates your utilization ratio, directly lowering your credit score at affected credit reporting agencies.
Moderate Equifax Experian Could improve score 10–25 pts
Dispute Strength Moderate
FCRA §623(a)(1) — Furnishers must report accurate information including credit limits. Incorrect limits that inflate utilization are a correctable inaccuracy affecting your score.
Synchrony Bank / Amazon Store Card — Duplicate Account Listing
This account appears twice on your Experian report — once with account ending 4417 and again with account ending 4418. These appear to be the same account reported under two slightly different account numbers, doubling the balance in utilization calculations.
Moderate Experian Could improve score 8–20 pts
Dispute Strength Moderate
FCRA §611(a) — Duplicate tradelines are a factual inaccuracy. Disputing a duplicate listing and requesting reinvestigation is appropriate — credit reporting agencies must remove confirmed duplicates.
Student Loan — Incorrect Account Status
Federal student loan shows status "Deferred" on TransUnion but "In Repayment" on Equifax. Deferred loans should not show as past-due. The Equifax status may be generating an incorrect derogatory mark.
Moderate Equifax TransUnion Could improve score 5–15 pts
Dispute Strength Moderate
FCRA §623(a)(1)(A) — Furnishers must correct inaccurate account status. A deferred loan showing "in repayment" is a reportable inaccuracy that the furnisher is required to investigate and correct.
Personal Information — Address Discrepancy
Equifax lists two previous addresses not on Experian or TransUnion. While minor, inaccurate address history can affect identity verification and may indicate mixed-file issues worth monitoring.
Low Severity Equifax
Dispute Strength Weak
FCRA §611(a) — You have the right to dispute inaccurate personal information. While address discrepancies have minimal score impact, correcting them maintains file accuracy and can prevent identity mix-ups.
Bank of America Checking — Hard Inquiry Without Authorization
A hard inquiry from Bank of America dated September 2024 appears on Equifax. No corresponding new account was opened. If this inquiry was not authorized, it may be disputable as an unauthorized access to your credit file.
Low Severity Equifax Could improve score 2–5 pts
Dispute Strength Weak
FCRA §604 — Permissible purposes for accessing a consumer's credit file are limited. Unauthorized inquiries may be disputed. Note: inquiry disputes have limited score impact compared to tradeline disputes.
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