**LESSON 3: WHY ACCURACY MATTERS — HOW ERRORS IMPACT YOUR SCORE

Danielle Floyd

3d • General discussion

Welcome back, Snipers.

Now that you know how to read your report (Lesson 1)

and how to identify your targets (Lesson 2)

it’s time to understand why those targets matter.

Most people don’t realize their score is NOT the issue —

the reporting is.

Let’s break it down with precision.

🔥 SECTION 1 — CREDIT SCORES ARE DATA-DRIVEN, NOT EMOTION-DRIVEN

Your credit score doesn’t care about:

how hard life got
why you were late
what happened to your job
what bills you were juggling

It only reads the data.

And if the data is wrong…

your score will be wrong too.

That’s why Snipers focus on accuracy, not excuses.

🔥 SECTION 2 — HOW ERRORS DIRECTLY CHANGE YOUR SCORE

Here’s how reporting mistakes hit your score:

1️⃣ Wrong Late Payments

A falsely reported 30-day late can drop your score 60–110 points.

2️⃣ Duplicated Collections

If one debt is reporting two or three times?

Your score is getting hit multiple times for ONE problem.

3️⃣ Incorrect Balances

If an account shows a higher balance than reality,

your utilization skyrockets — and your score tanks.

4️⃣ Wrong DOFD (Date of First Delinquency)

If this date is reported incorrectly,

an account might stay on your report years longer than the law allows.

5️⃣ Mixed Information

Old names, old addresses, and wrong personal data

often connect you to accounts that aren’t even yours.

🔥 SECTION 3 — WHAT THE BUREAUS MUST DO (BY LAW)

Under the Fair Credit Reporting Act (FCRA):

Credit bureaus must ensure data is:

✔ Accurate

✔ Complete

✔ Verifiable

✔ Up-to-date

If any of those four fail,

the bureaus must correct or delete the data.

This is why accuracy is everything.

You’re not arguing the debt —

you’re challenging the quality of the reporting.

That’s what separates a civilian from a Sniper.

🔥 SECTION 4 — THE “CHAIN OF Error” Most People Never Notice

Errors usually follow this pattern:

1️⃣ Original creditor makes a mistake

2️⃣ Collector copies the mistake

3️⃣ Bureaus display the mistake

4️⃣ Your score gets punished for it

5️⃣ You never knew it was wrong

Lesson 3 teaches you:

One wrong line of data can create a domino effect.

Your job is simply to spot it.

🔥 SECTION 5 — WHAT A SNIPER CHECKS FIRST

Before any dispute, a true Sniper checks:

dates
balances
ownership
payment history patterns
account status
duplicate entries
personal info linked to each account

If any of these look “off,”

that’s a target ready to be hit.

🎯 CLOSING — LESSON 3 SUMMARY

Lesson 3 is about understanding why errors matter.

Because once you know how important accuracy is,

you’ll never look at your credit report the same way again.

Your score isn’t emotional —

it’s mathematical.

And math only works when the data is correct.

🔥 Next Up: LESSON 4

“How to Spot a Legal Violation — The Things Bureaus Hope You Never Notice.”

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