If you find information that is not correct on your credit report, you should contact the company that issued the account or the credit reporting company that issued the report. You can also dispute any inaccuracies found on the Savvy Money credit report by navigating to the bottom of the report and selecting "dispute".
There are different credit scoring models across the industry, in addition to three different credit bureaus. Lenders may use a different model than what you are using to monitor your credit. This often results in varying scores.