There is always a chance that your credit report may be fault calculated or made with mistakes so you should read it accurately every month.
There is a chance that you have same and name and surname at the same bank or even same county and we all know that computers or people mistakes may come to a faulty credit report in that way.
There is a chance that collection agency forgot give information to your bank about incomes you made and your credit report do not shows it well.
All and everyone doing mistakes and for that reason you have to read credit reports proper and accurate,
If you found a problem with your credit report contact your credit card bank and try to solve this out as soon as possible as such a kind report problem may be solved during 30 days, so it is long time period, don’t wait and contact the bank.
There way more that could happen with your credit report so this video is must to see.