Obtain a copy of your credit report and review it at least once every 12 months. Contact one or more of the agencies listed below to request a copy of your credit report.
To protect your rights, report errors in writing. After you’ve notified a credit-reporting agency of your dispute, by law they have 30 days to investigate. If the credit-reporting agency can’t verify the information, it must be removed.
If the information is later determined to be accurate, it will be reinserted on your report.
Additional reports can be sent to companies you requested credit from within the last 6 months and any employer who has requested a report within the last 2 years.
Learning how your credit score impacts your ability to purchase goods and services will help you make wise financial decisions regarding when and where to use your credit.