You’re looking for inaccuracies and/or information you don’t recognize.
The Federal Trade Commission in 2013 said about 1 in 5 Americans had erroneous information on at least one of the three credit reports.
Among the surprises people have found on credit reports:
1. Collections accounts or judgments they didn’t know about.
2. Paid accounts showing as open.
3. Incorrect name and/or Social Security number.
4. Open accounts they knew nothing about.
5. Incorrect debt amounts.