You can request a copy of your credit report. You should do this periodically and review it for accuracy.  If you find inaccurate or misleading information, you should write a letter to the credit agency requesting that the agency investigate and correct the information.

Some information that is older than 7 years may be removed from your credit reports upon request.

 You should also check for accuracy of identifying information.  (For instance, there may be addresses listed for you that were never yours).

 You are entitled to one free credit report per year from each agency.

 In order to be sure that the most accurate information is on record, you should contact all three agencies and review what each agency has to say about you.

 Note: there are a lot of companies and individuals that offer to clean up credit reports for a fee. Some of these are reputable, some are not.  Be sure to check out any individual or company thoroughly before paying money and releasing personal information!