WHAT TO LOOK FOR,
WHEN TO ACT

You may wish to stagger your request to each of the three agencies over the course of the year. This allows you to consistently monitor your credit throughout the year.Check these key areas:

• Timeliness—If it shows late payments, but you always pay your bills on time, correct the error immediately.

• Accounts—Make sure all the accounts are yours. Identity thieves often open accounts in your name using stolen information, and they will often show up here.

• Dormant Accounts—If you notice accounts you no longer use, it might be wise to close them.They could be affecting your credit score.

• Credit Score—If the report does not include your credit score, be sure to ask for it. (There may be a charge. See the section of this brochure about credit scores.)