Your score is based on the repair history, which is a record of how you have paid the debts over a period of time. If based on incomplete or inaccurate data the consumer would want to repair the data. You can relieve your number by sending challenge or dispute letters. Some history is inaccurate because the info being reported is not accurate. This can hurt the final amount because the more delinquent accounts or data on your report the lower your score (often called a FICO score) will be.

People with the same or similar names or different family members often have their information transposed or mixed. Sometimes people have incorrect social security numbers or other misidentifying information. Banks and card companies routinely submit inaccurate information to the bureaus through servicing agents such as First Data, Fiserv or Jack Henry who are the ones actually submitting information on behalf of banks, unions, finance companies or credit cards.

People often have disputes with American Express, Visa or MasterCard and the disputed charges appear on reports. If this information is negative it can affect the last number so you will want to dispute information that is not accurate to raise the penalty. Some other types of scores are a Beacon score. Each reporting agency uses a different score system model FICO is an independent company called Fair Isaac who produces these scores often in conjunction with Equifax. If you clear information off the document, which is negative or inaccurate, it will help the ultimate credit score shown.