Every now and then, you may run across a mistake on your credit report. If you’re suspicious of an error on your credit report, it’s important to take action. The first step is to pull your credit report. You can easily get one for free at annualcreditreport.com. Next, go through everything to see what’s accurate and what’s not.

Take a look at things that are in collections or anything else that’s negatively affecting your score. Once you’ve spotted any items that you disagree with, it’s time to file a dispute. To file an official dispute, you should contact all three major credit reporting agencies since they are the ones who will expose your history to potential creditors.