Credit score

If there is an item on your credit report you don't know about, you can dispute the item.  Or, if you think it is yours, you can ask them what it is.  

How do I dispute an error on my credit report?

https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/

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