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Be proactive on this one. Credit reports containing errors will cost you financially and personally.
Request reports annually
You are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies – Equifax, Experian, and Transunion.
Space your requests in order to see updated information. For example, order your report from Transunion in February; your report from Experian in June and your report from Equifax in October. Repeat the following year.
Credit reports are free. Credit scores are not.
Order your credit report from www.annualcreditreport.com, the only authorized website for free credit reports, or call them at 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity.
A credit report does not include your credit score. If you want your score included with your report, there is a charge. If you don’t want to pay extra, simply click cancel or no when you are prompted to buy.
Dispute incorrect entries
You must dispute the account with the listed lender and the credit reporting agency. To begin a dispute, notify the agency and the lender in writing. Keep a log of all actions taken and all responses received. Use the contact information below.
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Additional credit report resources
How to File a Dispute
Credit Karma offers a useful guide for filing credit report disputes. It includes sample language for dispute letters.