First, get a free credit report at www.annualcreditreport.com or call 1-877-322-8228. You can request one free credit report from each of the three major credit reporters, once a year. So, you don’t have to pay for your annual credit reports. Do not contact the three nationwide credit reporting companies individually.
Make sure to check all three credit reports for any mistakes, as each of the three reports may contain different information. Your credit file may not reflect all of your credit accounts, as not all creditors supply information to credit reporting companies.
When disputing information, tell the credit reporting company, in writing, what information you think is inaccurate. Make sure to be specific, have documentation to prove the error, don’t send originals and know your rights. If the debt is not yours, prove it. If the account was paid, show proof.
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