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