Get reports from all three bureaus

Equifax, Experian, and TransUnion may hold different information. Review each report separately and save a dated copy so you can identify exactly where an issue appears.

Check personal identifying information

Look for names, addresses, employers, or identifying details that do not belong to you. An unfamiliar address can be a clerical issue, a mixed file, or a reason to investigate possible identity theft.

Match every account to your records

Compare ownership, account status, limits, balances, payment history, and dates with statements and creditor records. Note duplicate accounts and accounts you do not recognize.

Review collections and inquiries

Confirm the collector, original creditor, amount, dates, and whether the item belongs to you. Separate hard inquiries you authorized from unfamiliar inquiries that require investigation.

Document before disputing

Write down the bureau, account, field, reason it appears wrong, and the evidence supporting your position. Preserve originals and send only information necessary to address the specific issue.

Escalate identity concerns quickly

If an account or identifying detail may involve identity theft, use official identity-theft resources, contact affected creditors, and consider appropriate fraud alerts or freezes.