1. Get a Copy of Your Credit Reports The first thing you need to do is get a copy of your credit report from all three major credit bureaus. You can get a free copy of your report at annualcreditreport.com. This is a Government run site that allows consumers to get a free copy of their credit reports once per year. You will also need to know what your credit scores are. You can do this by going to these websites that give you your reports and credit scores completely free. Credit Karma Credit Sesame Wallet Hub Check Your Report for Errors Once you have pulled all three reports you need to go through each report to make sure there are no errors. If you find any errors you should contact the credit bureau immediately to file a dispute. Errors to Look For Incorrect employers Current and previous phone numbers and addresses Inaccurate account information Accounts that do not belong to you Late payments that should not be there Credit injuries that you did not authorize You can dispute inaccurate information on your report by contacting the credit bureau directly by phone, online, or in writing.
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