If your credit score means a lot to you, what do you do about it? Most likely you pay your bills on time, never get near your credit limits, and you work hard to pay off of your loans so you are debt free. Yet the credit report comes and you practically faint at their accusations. Your cousin who has the same first and last name has their credit report mixed with yours, someone from a different state is using your name to pay for their internet bill, and those concert tickets you bought when you were eighteen on your family credit card are still unpaid.nnMore times than not, your credit report is affected by other people\'s actions whether they were intentional or not. How it happens is a broad spectrum but they can all alter your credit report. So instead of panicking, just relax and look over the report carefully to pick out all of the incorrect information.nnYour credit history has been confused with someone else: This accident happens to many of us. When two people live nearby with similar names, their credit history may get intertwined with one another. This type of accident shows why it is so important to apply for a credit check regularly. Then you can dispute anything that shows up in your credit history that is not your own.nnThere is one often overlooked and confusing aspect of the credit report; your credit card before you were an adult. Any card that your parents gave you in your own name before you were the age of eighteen is included on the credit report. So when you went out and bought concert tickets and a plane ticket and surprised them with the bill - and they did not pay it, your report takes a beating. Thankfully it is still disputable but takes longer than someone getting mixed in with your report.nnYour credit/identity has been stolen: Just like your cousin with the same name, that cable bill in another state may be a coincidence, especially if you have a common name. However, it is also possible that your identity has been stolen. In addition to disputing the charges on your credit report IMMEDIATELY, you should take some other actions.nnIf you are suspicious of identity theft, check your bank accounts and credit cards. Anything that does not look like something you did, check into it. Say you were right and there were incorrect charges - report it right away. Put a stop to their illegal spending by putting a hold onto your accounts so the funding is cut off.nnIf this happens or an identity mix up, sometimes it is best to file a report with your state and the FTC, or Federal Trade Commission. This ultimately shows the credit report agencies you mean business with their mistakes and want them corrected as soon as possible. Not only will it save you the trouble of dealing with the credit report agencies but it can also help other people who are suffering the same issues.nnOverall; just be a little more careful with your information. Other people can alter your credit score which hurts you and does not bother them at all. Be cautious when talking about your finances so that you can keep your identity and funds secure.
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