A simple way to review the information behind lending decisions.
The essentials
A credit report records information about credit accounts and payment history. When reviewing yours, begin with personal details and accounts you recognize. Then check balances, account status, and recorded payment information. Reporting systems vary by location and different providers may hold different information.
Put it into practice
Make a list of anything that appears inaccurate and gather supporting records. Use the reporting company’s official dispute process and follow up with the business that supplied the information. Keep copies and dates. Checking a report is also an opportunity to spot unfamiliar accounts that may need urgent attention through verified support channels.
Before you decide
Use this guide as a starting point for your own questions. Check the current terms in your documents and the rules where you live. Keep a short written record of the options you compare, the details you still need, and your next step.
This is general educational information, not personal financial, insurance, tax, or legal advice.