Free weekly credit reports

You can get free weekly credit reports from AnnualCreditReport.com. That is the official site run with the nationwide consumer reporting agencies. You do not have to buy a score or a monitoring plan to see the file they are using.

Once you have the reports, read them. Names, addresses, accounts, dates, balances, and late marks. The kits below are the checklist for reviewing the file and, when something looks inaccurate or incomplete, sending a complete FCRA dispute yourself.