{"id":32709,"date":"2024-01-30T04:15:06","date_gmt":"2024-01-30T12:15:06","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=32709"},"modified":"2025-02-15T09:35:17","modified_gmt":"2025-02-15T17:35:17","slug":"6-stealthy-credit-report-errors-you-can-quickly-eliminate-3","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html","title":{"rendered":"How to Eliminate Credit Report Errors That Often Get Overlooked"},"content":{"rendered":"
\"eliminate<\/a>

Eliminating credit report errors can be difficult unless you know where they’re hiding.<\/p><\/div>\n

Financial institutions rely on one<\/strong><\/em> major factor when deciding whether or not to give you a loan: your credit report.<\/p>\n

Credit reports contain a lot of information, including your name, address, place of employment, credit lines, balances, payment history and more. But that information isn’t always correct. In fact, research from the Federal Trade Commission reveals that 25% of consumers have credit report errors<\/a> that could lead to lower scores, and 5% of those consumers could see their credit score drop by 25 points while one in 250 people could see a drop of 100 points. Which is why you should regularly check your credit report with the ‘Big Three’ credit bureaus: Equifax, Experian, and TransUnion.<\/p>\n

Here are some of the stealthier errors that often fly under the radar:<\/p>\n

Incorrect Social Security Number.<\/strong> Our Social Security numbers<\/a> (SSNs) are sacred information as they link us to many establishments.”Transposed or incorrect numbers for a Social Security number can result in a merged report,” explains personal finance and credit expert Kristy Welsh, a contributor for CreditRepair.com. If you notice that your SSN is incorrect contact the bureau(s) that has the wrong information. That way they can amend and update your correct information.<\/p>\n

Inaccurate Loan and Credit Card Payments.<\/strong> Did you know that payment history makes up 35% of your credit score? According to Welsh, one late payment can affect your score dramatically. But what if you’re diligent about paying on time and your report erroneously shows a 30-day late pay? It happens.<\/p>\n

Out-of-Date Charge-Offs and Closed Lines of Credit.<\/strong> The day you make your last payment on a loan is always a great day. However, “it’s not unusual for a closed line of credit to continue to appear active on a credit report,” says John Heath, directing attorney at Lexington Law. “If you’ve closed a line of credit, it should be noted as closed or canceled.”<\/p>\n

Incorrect Address.<\/strong> If you tend to move somewhat frequently, then your current address may need an update. “An incorrect address may not seem like a big deal, but they can lead to merged accounts,” Welsh warns. “A wrong address may impact you in other ways,” she says. “Because insurance companies, for instance, base their rates in part on where you live, you may inadvertently end up paying more for your car insurance.” Welsh knows firsthand the ramifications of an incorrect address on her credit report: “Because the person with whom I was merged shared my past address, an erroneous tax lien appeared on my credit report. Once the mess was straightened out, I immediately removed all of my previous addresses from my credit report.”<\/p>\n

Incorrect Name.<\/strong> Welsh provides a sample scenario for comparison:”Your name is Betty Jones, and although you’ve never gone by Elizabeth, this name appears on your credit report,” she explains. “Because of this, you may have another Elizabeth’s information on your credit report. Merged credit reports often happen with family members who share the same name<\/a> (Jr. and Sr., for instance), or when a person applies for credit under several names: Robert Jones and ‘Bob’ Jones.” Or you can change your name to Merlin Shrewsbury, for whom there are zero results on Google. Safe bet.<\/p>\n

Lagging Negative Listing.<\/strong> Old negative listings can also appear on your credit report erroneously. “Generally negative marks on a credit report should cycle off after seven years; 10 years for bankruptcies; and 15 years for tax liens,” Heath explains. If your negative listings persist beyond those timelines, make the necessary calls to have them removed.<\/p>\n

How to Dispute Credit Report Errors<\/strong><\/p>\n

Once you’ve flagged an error, contact the respective credit bureau(s) to which the error belongs. But sometimes there are intricacies.<\/p>\n

Kari Luckett, financial expert and content director for CompareCards.com, explains:”If you find a mistake, contact that credit reporting company only,” she says. “All three allow you to file an online dispute. If you have supporting documentation, attach it to your disputes.”<\/p>\n

Luckett also advises to protect yourself with documentation of the dispute throughout the process. “That way if the reporting agency fails to properly investigate and resolve an issue after multiple attempts, the consumer has enough evidence in their back pocket to sue the agency and prove their case.”<\/p>\n

Photo Credit: 12me<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Financial institutions rely on one major factor when deciding whether or not to give you a loan: your credit report. Credit reports contain a lot of information, including your name, address, place of employment, credit lines, balances, payment history and more. But that information isn’t always correct. In fact, research from the Federal Trade Commission […]<\/p>\n","protected":false},"author":55,"featured_media":32713,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[458],"tags":[],"class_list":{"0":"post-32709","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-debt","8":"pmpro-has-access","9":"entry"},"yoast_head":"\nHow to Eliminate Credit Report Errors That Often Get Overlooked<\/title>\n<meta name=\"description\" content=\"Eliminating credit report errors can be difficult unless you know where they're hiding. Here are six of the most likely places:\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Eliminate Credit Report Errors That Often Get Overlooked\" \/>\n<meta property=\"og:description\" content=\"Eliminating credit report errors can be difficult unless you know where they're hiding. Here are six of the most likely places:\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html\" \/>\n<meta property=\"og:site_name\" content=\"Len Penzo dot Com\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/LenPenzo\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-30T12:15:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-15T17:35:17+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/07\/stealth.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mikey Rox\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:site\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mikey Rox\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html\"},\"author\":{\"name\":\"Mikey Rox\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/fb3f91f5b98bb267c8e9d0a9eceb552a\"},\"headline\":\"How to Eliminate Credit Report Errors That Often Get Overlooked\",\"datePublished\":\"2024-01-30T12:15:06+00:00\",\"dateModified\":\"2025-02-15T17:35:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html\"},\"wordCount\":734,\"commentCount\":3,\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/07\\\/stealth.jpg\",\"articleSection\":[\"Credit & Debt\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html\",\"name\":\"How to Eliminate Credit Report Errors That Often Get Overlooked\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/07\\\/stealth.jpg\",\"datePublished\":\"2024-01-30T12:15:06+00:00\",\"dateModified\":\"2025-02-15T17:35:17+00:00\",\"description\":\"Eliminating credit report errors can be difficult unless you know where they're hiding. Here are six of the most likely places:\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#primaryimage\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/07\\\/stealth.jpg\",\"contentUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/07\\\/stealth.jpg\",\"width\":640,\"height\":480},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/lenpenzo.com\\\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Eliminate Credit Report Errors That Often Get Overlooked\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/\",\"name\":\"Len Penzo dot Com\",\"description\":\"The offbeat personal finance blog for responsible people.\",\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\",\"name\":\"Len Penzo dot Com\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Block_L.png\",\"contentUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Block_L.png\",\"width\":359,\"height\":360,\"caption\":\"Len Penzo dot Com\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"http:\\\/\\\/www.facebook.com\\\/LenPenzo\",\"https:\\\/\\\/x.com\\\/LenPenzo\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/fb3f91f5b98bb267c8e9d0a9eceb552a\",\"name\":\"Mikey Rox\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/73e91479a80d01901d3f8ac3a47acfcebd89c117ffaa7eab2200057b5e25065c?s=96&d=monsterid&r=r\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/73e91479a80d01901d3f8ac3a47acfcebd89c117ffaa7eab2200057b5e25065c?s=96&d=monsterid&r=r\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/73e91479a80d01901d3f8ac3a47acfcebd89c117ffaa7eab2200057b5e25065c?s=96&d=monsterid&r=r\",\"caption\":\"Mikey Rox\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How to Eliminate Credit Report Errors That Often Get Overlooked","description":"Eliminating credit report errors can be difficult unless you know where they're hiding. Here are six of the most likely places:","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html","og_locale":"en_US","og_type":"article","og_title":"How to Eliminate Credit Report Errors That Often Get Overlooked","og_description":"Eliminating credit report errors can be difficult unless you know where they're hiding. Here are six of the most likely places:","og_url":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html","og_site_name":"Len Penzo dot Com","article_publisher":"http:\/\/www.facebook.com\/LenPenzo","article_published_time":"2024-01-30T12:15:06+00:00","article_modified_time":"2025-02-15T17:35:17+00:00","og_image":[{"width":640,"height":480,"url":"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/07\/stealth.jpg","type":"image\/jpeg"}],"author":"Mikey Rox","twitter_card":"summary_large_image","twitter_creator":"@LenPenzo","twitter_site":"@LenPenzo","twitter_misc":{"Written by":"Mikey Rox","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#article","isPartOf":{"@id":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html"},"author":{"name":"Mikey Rox","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/person\/fb3f91f5b98bb267c8e9d0a9eceb552a"},"headline":"How to Eliminate Credit Report Errors That Often Get Overlooked","datePublished":"2024-01-30T12:15:06+00:00","dateModified":"2025-02-15T17:35:17+00:00","mainEntityOfPage":{"@id":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html"},"wordCount":734,"commentCount":3,"publisher":{"@id":"https:\/\/lenpenzo.com\/blog\/#organization"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#primaryimage"},"thumbnailUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/07\/stealth.jpg","articleSection":["Credit & Debt"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#respond"]}]},{"@type":"WebPage","@id":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html","url":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html","name":"How to Eliminate Credit Report Errors That Often Get Overlooked","isPartOf":{"@id":"https:\/\/lenpenzo.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#primaryimage"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#primaryimage"},"thumbnailUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/07\/stealth.jpg","datePublished":"2024-01-30T12:15:06+00:00","dateModified":"2025-02-15T17:35:17+00:00","description":"Eliminating credit report errors can be difficult unless you know where they're hiding. Here are six of the most likely places:","breadcrumb":{"@id":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#primaryimage","url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/07\/stealth.jpg","contentUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/07\/stealth.jpg","width":640,"height":480},{"@type":"BreadcrumbList","@id":"https:\/\/lenpenzo.com\/blog\/id32709-6-stealthy-credit-report-errors-you-can-quickly-eliminate-3.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lenpenzo.com\/blog"},{"@type":"ListItem","position":2,"name":"How to Eliminate Credit Report Errors That Often Get Overlooked"}]},{"@type":"WebSite","@id":"https:\/\/lenpenzo.com\/blog\/#website","url":"https:\/\/lenpenzo.com\/blog\/","name":"Len Penzo dot Com","description":"The offbeat personal finance blog for responsible people.","publisher":{"@id":"https:\/\/lenpenzo.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lenpenzo.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/lenpenzo.com\/blog\/#organization","name":"Len Penzo dot Com","url":"https:\/\/lenpenzo.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2022\/06\/Block_L.png","contentUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2022\/06\/Block_L.png","width":359,"height":360,"caption":"Len Penzo dot Com"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["http:\/\/www.facebook.com\/LenPenzo","https:\/\/x.com\/LenPenzo"]},{"@type":"Person","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/person\/fb3f91f5b98bb267c8e9d0a9eceb552a","name":"Mikey Rox","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/73e91479a80d01901d3f8ac3a47acfcebd89c117ffaa7eab2200057b5e25065c?s=96&d=monsterid&r=r","url":"https:\/\/secure.gravatar.com\/avatar\/73e91479a80d01901d3f8ac3a47acfcebd89c117ffaa7eab2200057b5e25065c?s=96&d=monsterid&r=r","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/73e91479a80d01901d3f8ac3a47acfcebd89c117ffaa7eab2200057b5e25065c?s=96&d=monsterid&r=r","caption":"Mikey Rox"}}]}},"_links":{"self":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/32709","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/users\/55"}],"replies":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/comments?post=32709"}],"version-history":[{"count":3,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/32709\/revisions"}],"predecessor-version":[{"id":86371,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/32709\/revisions\/86371"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/media\/32713"}],"wp:attachment":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/media?parent=32709"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/categories?post=32709"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/tags?post=32709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}