Mistakes are not entirely uncommon on credit reports when information is reported to the bureaus by creditors and lenders. Sometimes mistakes are caused by simple human error, other times they occur when credit files of people with similar names are inadvertently mixed.

Look closely at the following areas in your credit report to catch any unfamiliar items: Personal information, Accounts, Inquiries, Public records.

If everything looks accurate once you?ve reviewed your credit report(s), then you can breathe easy. Just remember to regularly monitor your credit to make sure everything stays accurate. If you do happen to find a mistake, then you have the right to dispute the information free of charge. You should contact the credit bureau that provided the information to request an investigation into any inaccuracies.

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