Not all credit problems are debt problems. Sometimes it starts with your personal information. Wrong address. Misspelled name. Old employer. That small error can link you to accounts that don’t even belong to you. Under the Fair Credit Reporting Act, you have the right to dispute inaccurate or outdated personal information on your credit report. And under CROA, no one can promise deletions but we can challenge what’s reporting incorrectly and hold the bureaus accountable. Step one in fixing cred