Start by checking your identifying information, account history, balances and payment details. Look for accounts you do not recognize, duplicate entries, incorrect balances, and dates that do not match your records. Credit reports are not the same as credit scores. You can obtain free reports using the federally authorized site AnnualCreditReport.com. If you find an error, document it and review your dispute rights with the CFPB.
What you can do next
Review your own documents carefully, use reputable primary sources, and choose steps appropriate to your circumstances.
Reviewed for introductory educational use in October 2026. This is general information, not individualized legal or financial advice.