Now is the perfect time to review your finances—starting with your credit report. It helps you spot fraud, correct errors, and understand what’s affecting your score, potentially saving thousands on loans and credit cards.
Why check your report?
- Find mistakes and fix them
- See what’s impacting your credit score
- Get a full picture beyond just your score
Where to get it:
Visit
AnnualCreditReport.com for a free copy from each of the three major bureaus every year.
What to look for:
- Accounts you don’t recognize
- Incorrect balances or payment status
- Anything in default you’re not aware of
How to dispute errors:
Contact both the credit bureau and the creditor with copies of supporting documents. Follow up to make sure corrections are made.
Bottom line: Reviewing your credit report may feel like homework, but it’s one of the best ways to protect your finances and set yourself up for a stronger year.