The fields that matter most
- Date of First Delinquency — controls when the item must fall off. Errors here are gold.
- Date of Last Activity — often manipulated to re-age old debt.
- Account Status vs. Payment Status — these must be consistent.
- High Credit / Credit Limit — a missing limit inflates your utilization.
- Payment history grid — 30/60/90/120 codes that must match the status.
Compare all three
Line up Experian, Equifax, and TransUnion side by side. Any field that differs between bureaus is, by definition, inaccurate somewhere — and that is a dispute.
The Bottom Line
We do this audit for free. Most reports we review contain multiple provable errors.