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Your credit.
A clearer starting point.

Ten steps to help you understand your reports and organize your next move. Use this guide at your own pace. Save a copy or use your browser’s Print menu to print or save as a PDF.

  1. Get your credit reports.

    Visit AnnualCreditReport.com, the authorized source for free credit reports. Review reports from Equifax, Experian, and TransUnion. Keep copies private.

  2. Record the date and source.

    Write down when each report was obtained. If reviewing scores, note the bureau and score model; scores from different models or dates are not directly comparable.

  3. Check your identifying information.

    Look for unfamiliar names, addresses, or accounts that may belong to someone else. Document each specific discrepancy without sharing your report publicly.

  4. Review each account’s details.

    Compare account ownership, balances, payment status, and dates with your own records. Look for duplicates or incomplete information. Negative information is not automatically inaccurate.

  5. Organize supporting records.

    Keep relevant statements, correspondence, and payment records together. Make a list of the exact information you believe is wrong and why.

  6. Learn how to dispute an error.

    You can dispute inaccurate or incomplete information yourself for free with the reporting company and the information furnisher. Use the CFPB’s dispute instructions. Keep copies and delivery records.

  7. Review balances and available credit.

    Understand how much revolving credit you are using relative to your limits. Review spending and payment plans that fit your budget. No single balance target guarantees a score outcome.

  8. Plan for payment due dates.

    Use reminders or a calendar to track obligations. If considering automatic payments, review your account balance and the payment settings to avoid unintended overdrafts.

  9. Track responses and changes.

    Keep a dated log of disputes, correspondence, and report updates. Compare the same bureau and score model when reviewing changes. Do not assume a change proves a specific cause.

  10. Choose an informed next step.

    Write down your goals and questions. If you suspect identity theft, use IdentityTheft.gov. If you want help understanding your options, book at our consultation calendar, call our AI phone assistant at (947) 777-1336 or request a Credit Suite consultation at contactus@credit-suite.com.