It seems even today in this technology age where information is easily accessibly, not all of us have seen a copy of our credit reports.
Quite often there are errors on these reports, and could be a costly mistake if you've never reviewed your credit report before.
Most common errors include missing a payment and late payments which can lower your credit score.
You should take action to fix these arbitrary errors as the judicial system is on your side in this instance and mistakes to credit reports must be corrected by law.
It does take time to straighten out, but the first thing you need to do is to identify all the errors that you believe exist.
Explain in writing each dispute that needs to be corrected to each credit reporting agency that generated the report.
If available, provide supporting documents like receipts and bank statements to prove your case, always make copies, and never send your originals.
Send your information by certified mail if you can, and ask for return receipts.
This way, you can confirm and insure your package arrived safely.
Once the credit reporting agency receives your package, they are required to initiate an investigation.
They will write to your creditors in question to verify the information is correct or not.
The errors must be legally removed from your credit report if your creditors cannot confirm their correctness.
Credit report errors happen more often than you think.
Get a copy of your report, dispute and fix any mistakes possible, then smile knowingly that you just increased your chances of raising your credit score.