If you’re suspicious of an error on your credit report, it’s important to take action. The first step is to pull your credit report. You can get one for free at annualcreditreport.com. Next, go through everything to see what’s accurate.

Take a look at things that are in collections or anything else that’s negatively affecting your score. Once you’ve spotted any items that you disagree with, file a dispute. You should contact the three major credit reporting agencies since they are the ones who will expose your history to potential creditors.

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