Quick noteThis guide is general education, not individualized financial, insurance, legal or medical advice.
1. Use the official source
Request reports through AnnualCreditReport.com, the federally authorized website.
2. Check identity details
Look for names, addresses or employers that do not belong to you.
3. Review every account
Confirm balances, payment history, limits and account status.
4. Inspect inquiries and collections
Flag activity you do not recognize and verify collection information.
5. Dispute errors
Contact the credit bureau and information provider, keeping copies of your supporting records.
Your next step
Write down the two questions that matter most to you, then compare information from official sources and qualified providers.
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