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semitired

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how do i challenge an item on my credit report
my report shows an account from citi with a balance of 660$ . I have never had a credit card from citi bank

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Go to annualcreditreport.com and get copies of all three credit reports.  Look them over very thoroughly and file disputes (in writing) on all wrong information with the credit bureau reporting it.  They have to oinvestigate and either verify or delete said disputed item.

This is why we are strongly advised to make an annual check of our credit reports because errors are not uncommon. Only by keeping up with what is reported can we make sure the information on our reports is correct. 

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