Your credit report is one of the most important financial documents you have. It affects your ability to get loans, rent apartments, and even get certain jobs. Here's everything you need to know.
How to Get Your Free Credit Report
Under federal law, you're entitled to one free credit report from each of the three major bureaus every 12 months through AnnualCreditReport.com.
Understanding Your Credit Report
Your credit report contains several key sections: personal information, account history, public records, and inquiries. Understanding each section helps you identify potential issues.
Common Credit Report Errors
Studies show that roughly one in five consumers has an error on at least one of their credit reports. Common errors include accounts that don't belong to you, incorrect payment statuses, and outdated information.
How to Dispute Errors
If you find errors, you have the right to dispute them with both the credit bureau and the information furnisher. Disputes must be investigated within 30 days.
Monitoring Your Credit
Regular monitoring helps you catch errors and potential fraud early. Many services offer free credit monitoring, and Frontier Credit Repair provides ongoing monitoring as part of our service packages.