Credit bureaus (sometimes called credit reporting agencies or consumer reporting agencies) maintain computer files of your financial payment histories, public record data, and personal identifying data. Here are some suggestion for being sure your record is reported accurately.

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What do credit bureaus do?

Do credit bureaus ever report one person’s record instead of another’s?

May I look at my credit record?

Do I have a right to see my credit record if it contains adverse information about me?

What does a credit report look like?

What may I do if I believe the credit bureau has incorrect information in my file?

How does the process of challenging inaccurate information work?

What is the story behind companies that advertise their abilities to repair faulty credit histories? They sound too good to be true.

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