 TITLE: 7 Surprising Things That Can Affect Your Credit CONTENT: 7\\. Ignoring Your Credit Report\n-------------------------------\nThe simple act of checking your credit report doesn't impact your credit score directly. But if you neglect your credit reports, you could miss something that can wreak havoc on your credit score.\nFor example, if someone steals your personal information and opens a fraudulent credit account in your name, that account will show up on your credit report. If you don't catch it and the account goes delinquent, it can damage your score. Fraudulent accounts can be disputed and removed, but you'll have to first know they're there before you can start the cleanup process on your own.\nThe same goes for errors on your credit report. While it's uncommon, it is possible for lenders to make a mistake when reporting your account status. In some cases, these errors can have a negative impact on your credit score. So check your credit report regularly for these damaging items and file a dispute if you find something you feel is incorrect. END