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What You Can Do Right Now

Information is great. But taking small steps now can lead to big changes.
  • Today
  • Get your credit reports.
  • Review your credit reports.
  • Circle or highlight any errors on your credit reports.
  • Next Week
  • File a dispute for errors you have found with the credit-reporting agency.
  • Consider filing a dispute with the information furnisher, too.
  • During the Next Few Months
  • The credit-reporting agency should investigate your dispute within 30 days. Keep track of this on a calendar.
  • If your dispute is valid, check to make sure this change in made in ALL of your credit reports.
  • Periodically check your reports to ensure that the information was not reinserted.
  • Make sure you keep records related to your dispute, especially if your dispute is difficult to resolve.