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Spending your bills on time is vital to building your rating. But even although you spend your bills like clockwork, credit history errors could possibly be damaging your score. One in 4 customers identified damaging credit history mistakes, based on a 2012 research by the Federal Trade Commission. But, 4 away from 5 customers whom filed a dispute got their credit history modified, the scholarly research discovered. A study that is follow-up the FTC discovered that 20% of the customers saw a jump within their credit rating after resolving mistakes.