Errors on your credit report may be simple, such as an error in a previous addresses (you lived on North Lake Street instead of South Lake Street), or they may be more serious and affect your credit score, such as billing errors.

The law defines a billing error as any charge:
►	for something you didn't buy or for a purchase made by someone not authorized to use your account;
►	for something that is not properly identified on your bill, or is for an amount different from the actual purchase price, or was entered on a date different from the actual purchase date;
►	for something that you did not accept delivery on or that was not delivered according to agreement.
Billing errors also include:
►	errors in arithmetic
►	failure to show a payment or other credit to your account;
►	failure to mail the bill to your current address if you told the creditor about an address change at least 20 days prior to the end of the billing cycle;
►	questionable items, or any item for which you need more information.
Once you have written about a possible error, a creditor must not give out information to other creditors or credit bureaus that would hurt your reputation until the matter is resolved. And until your complaint is answered, the creditor may not take any action to collect the disputed amount.     The law protects you.  If you believe the information in your report has been proven to be false and still has not been removed in accordance with the Fair Credit Reporting Act, the law says you are entitled to damages, plus any punitive damages the court may allow if the violation is proven to be intentional.  If you feel a credit bureau has not responded promptly and fairly, contact the Federal Trade Commission in Washington at (202) FTC-HELP or visit ftc.gov.  You may also contact the attorney general of your state.