A practical guide to reviewing the information behind your credit history.
Start with the information, not just a score
A credit report records information about your credit history. Review identifying details, listed accounts, payment history, balances, and inquiries. Read each section and keep notes on entries you do not recognize or believe are inaccurate.
Review one entry at a time
Compare account names and details with your own records. A company name you do not recognize may require further research before you decide whether it is an error. Keep the report date and the account reference with your notes.
Make a clear review list
For every concern, record what the report says, what you believe is wrong, and which documents support your position. That list helps you ask focused questions and prepare a specific dispute when appropriate.
Educational information. Individual circumstances and outcomes vary.