Obtain a free copy of your credit report from AnnualCreditReport.com to review your credit history for errors or discrepancies.
Identify Errors
Carefully examine your report for inaccuracies such as incorrect account details or late payments. Note any errors you find, as these can impact your score.
Dispute Inaccuracies
Contact the credit bureau to dispute any errors. Provide documentation to support your claim, and follow up to ensure the inaccuracies are corrected.
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