Is your credit report right?

You’ve tackled the taxes, made your list of spring cleaning projects, and maybe you’ve even started thinking about what you might plant now that the snow is melting. But I have one more spring project for you: checking your credit report. It’s good for your financial health, and it’s free.

You might be surprised at what’s in your credit report: details about your loans or credit — from home loans to store credit cards — and whether you’re behind on any bills. It also shows whether you’ve been sued or arrested, or have filed for bankruptcy. The three nationwide credit reporting companies sell information from your report to lenders, employers and other businesses that consider your applications for credit, work or renting a home. So, if you’re planning to buy a car, get a loan, or apply for a job, it’s time to see what’s in your report.

Under federal law, you’re entitled to one free copy of your report from each of the three credit reporting company every 12 months. Go to to order. When you order is up to you — order all three at once, or request one report every few months. Financial advisors say spreading your requests over a 12-month period is one way to monitor what’s in your reports and possibly spot problems.

Your Source for a Truly Free Credit Report?

Once you have your report, read it over to see if it’s correct. If you notice something that doesn’t look right, contact the credit reporting company and the business that provided the information. Checking your report also can help you guard against identity theft. Visit if you spot accounts that aren't yours.

Tagged with: credit, credit report
Blog Topics: 
Money & Credit


I have been trying since 2012 to fix my credit report and neither the 3 credit bureaus or the alleged companies that said I owe money despite proof I do not still have it on my report and there is no where to go to get it fixed. I did everything by the book.

If you disputed the item with the credit bureaus and it wasn't removed from your file, submit a complaint to the Consumer Financial Protection Bureau at

In this line you should add 'in writing via their dispute policy':
"If you notice something that doesn’t look right, contact the credit reporting company 'in writing via their dispute policy' and the business that provided the information."

How can you correct your report when no one wants to listen? I have a collection agency who has ruined my credit. They have called friends, work and family telling everyone that I am being charged with fraud! I had loans out but have paid twice as much back and every time I ask which loans are paid off or which ones I still owe they refuse to tell me. I get three emails a week from this agency all with different email address and amount owed. I was told once that I had over paid and they would refund it. However, guess what? They found another loan that I owed and they would apply that to this new account? I can get nowhere with this group and now they said that I would be charged in 14 days and would never get another job, take my SS and monies if I did not reply w/in 12 hours which I emailed back asking the same questions that I have always asked: 1) which loan agency (not ACS/ACE), 2) date of this loan, 3) when was this put into my account and just how many loans did I "have" and how many have I paid off? Everyday I get email, "background check done on you" and that does not help my credit!!!!

It's against the law for a company to not give you proof of the debt, or to tell other people, including your family members, friends, and employers, about the debts. Debt collectors also can't lie, and say they are lawyers if they aren't. You have the right to sue a collector in a state or federal court within one year from the date the law was violated. The FTC’ s article Debt Collection has information about your rights.

Report problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

Very Good Information

Good luck with the CFPB! They're about as dense and useless as the credit agencies.

Thanks for the valuable information and God bless

I will this 2015,get my credit report every 6 months,any thing from any person,business,or made-up information will be noted to the F.T.c.and put in court any part of the court system I can put them in.

My credit has been screwed up since 2004 when we consolidated our debt on a refinance of our primary residence and paid all debts off. Somebody got in and messed us up bad. The big three can't get it straightened out.


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