You may wish to contact your bank for copies of old bank statements or contact the creditor to determine whether any payments were applied to the debt in question.

You may also file a dispute with both the consumer reporting agency from which you received the report and the company reporting the information, explaining why the information is inaccurate. The Fair Credit Reporting Act (FCRA) requires the company furnishing the information to investigate the dispute and make sure the information being reported is accurate. To learn more about filing disputes with CRAs, please visit the Know Your Rights section on this site.