6 credit report score killers
Most of the time, if you have an account that has gone to collections or been written off as a bad debt, you know about it, credit counselor Rhonda Bailey said.
But not always. "There are those few instances, like an old utility bill after you've moved, (where) the collection agency didn't find them and (the consumer) forgot about it," she said. "I see that occasionally."
If you find an item that isn't yours, you can dispute it and have it removed from your report.