Obtain Your Credit Report
Review Personal Information
Understand Account Information
Account Types: Identify the different types of accounts listed, such as credit cards, loans, mortgages, and lines of credit.
Account Status: Check the status of each account, whether it’s open, closed, in good standing, or delinquent.
Payment History: Review the payment history for each account, noting any late payments, missed payments, or accounts in collections.
Examine Public Records
Note Credit Inquiries
Check for Errors and Dispute Inaccuracies
Document the errors: Make a note of the specific errors, including account numbers, dates, and descriptions.
Contact the credit reporting agency: Submit a dispute letter to the credit reporting agency detailing the errors and requesting corrections.
Provide supporting documentation: Include any relevant documents or evidence that support your dispute.