OBTAIN CREDIT REPORTS
You are entitled to a free copy of all three credit bureaus once annually.
Monitor your credit reports every year to maintain their accuracy.
FACT CHECK CREDIT REPORTS
Read over your entire credit report from all three bureaus.
Ensure you understand everything you read and that all entries are correct.
Circle or highlight any information that doesn’t seem to be correct or current.
Gather evidence or documentation that proves that the information is inaccurate.
Dispute all misinformation that you find immediately.
Contact the creditor or the credit bureau to begin an investigation into the misinformation.
FOLLOW UP ON DISPUTES
Follow up with whoever you contacted if you don’t receive an answer within 30 days.
Contact the credit bureau if your creditor doesn’t address the issue.
MONITOR CREDIT REPORTS
Continue to monitor your credit reports at least every year at a minimum.
Comb over the documents for factual inaccuracies often to keep your credit in the best standing.