Start with official reports
Request reports through AnnualCreditReport.com. Review each bureau separately because the information may differ.
Credit reports
How to Review Your Credit Reports
Learn what appears in a credit report, how to compare bureau files, and how to document possible errors.
Check personal information
Review names, addresses, employers, and identifiers for information that does not belong to you.
Review every account
Compare ownership, status, balance, credit limit, payment history, dates, and remarks against your records.
Document possible errors
Save statements, letters, screenshots, payment confirmations, and identity-theft reports that support your position.
Dispute factually
State what is wrong, why it is wrong, and what correction you are requesting. Avoid blanket or false disputes.
Track responses
Keep copies, dates, confirmation numbers, and results from bureaus and furnishers.