There are 3 reasons to check your credit report at least once a year:

  1. Look for mistakes and fix the ones that could hurt your credit score
  2.  Ensure that your credit information is up to date
  3.  Guard against identity theft

Here are some of the most common errors you may find:

What to do about the mistakes you find:

Creditors and credit bureaus have a certain time period to respond to your dispute. The delivery confirmation receipt is an option offered by the post office. This will help you prove the date they received your dispute letter in case they exceed the response period. If the creditor does not resolve your complaint, you can ask that your letter of dispute be included as part of your credit file.

Get your free annual copy of your credit report at
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