Review your credit report
It is not uncommon for one or more errors to be found on a credit report. Take the following steps to review and monitor your credit report:
- You can obtain a free copy of your credit report annually from all three of the credit reporting agencies: Experian®, Equifax® and TransUnion®.
- Review your report to make sure your personal and employment information, account statuses, credit limits and payment history are correct.
- If you spot an error on your report, contact Equifax, Experian or TransUnion (based on where the error appears) to begin the dispute process. Note that this process varies by credit reporting agency, so contact the specific bureau for details.
- Once you get the errors corrected, keep a copy of any correspondence and review your old report against a new one to make sure old errors have not resurfaced on your report.