Review Your Credit Report

80% of all credit reports

have one or more errors

All errors—even those that seem harmless such as the wrong address or multiple employers—need to be corrected

Take the following steps to review and monitor your credit report

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  • Order your report by visiting annualcreditreport.com. Once each year you can obtain a free copy of your credit report 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.

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