dispute inaccurate credit data

https://fixcreditreportmistakereport.currentvale.com/posts/how-to-fix-credit-report-mistakes-before-they-cost-you-a-loan

If you spot a mistake in your credit report, like a paid-off account still showing a balance, you can dispute it directly with the credit bureau. They are required to investigate your claim and correct any inaccurate data, which can help improve your credit score.