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It also addresses identity theft concerns and provides instructions for disputing errors with credit reporting companies and furnishers.",{"@graph":14,"@context":65},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/forms/","Forms",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/credit-report-review-checklist-dispute-mistakes/279827/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/credit-report-review-checklist-dispute-mistakes/279827.png","ImageObject",442,249,{"name":42,"@type":43},"Olivia Brown","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-23","2026-09-16",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",11,{"@type":57,"mainEntity":58},"FAQPage",[59],{"name":60,"@type":61,"acceptedAnswer":62},"What should you do if you suspect identity theft or find errors?","Question",{"text":63,"@type":64},"Dispute the incorrect information, contacting both the credit reporting company and the source of the mistake, and include supporting documentation when submitting your dispute (online, by mail, or by phone).","Answer","https://schema.org",{"og:url":32,"og:type":67,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":69,"canonical":32},"index,follow",{"doc_id":71,"site_id":7},279827,1790486751,{"code":4,"msg":74,"data":75},"success",[76,80,85,90,95,100,104,109,114],{"id":55,"doc_module":22,"doc_module_name":25,"category_name":77,"show_sort_weight":78,"slug":79},"Presentations",90,"presentations",{"id":81,"doc_module":22,"doc_module_name":25,"category_name":82,"show_sort_weight":83,"slug":84},12,"Resumes",80,"resumes",{"id":86,"doc_module":22,"doc_module_name":25,"category_name":87,"show_sort_weight":88,"slug":89},14,"Invoices",70,"invoices",{"id":91,"doc_module":22,"doc_module_name":25,"category_name":92,"show_sort_weight":93,"slug":94},15,"Posters",60,"posters",{"id":96,"doc_module":22,"doc_module_name":25,"category_name":97,"show_sort_weight":98,"slug":99},16,"Social Media",50,"social-media",{"id":101,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":102,"slug":103},17,40,"forms",{"id":105,"doc_module":22,"doc_module_name":25,"category_name":106,"show_sort_weight":107,"slug":108},18,"Letters",30,"letters",{"id":110,"doc_module":22,"doc_module_name":25,"category_name":111,"show_sort_weight":112,"slug":113},21,"Paper Templates",5,"papers-templates",{"id":115,"doc_module":22,"doc_module_name":25,"category_name":116,"show_sort_weight":4,"slug":117},158,"General","general-158",{"code":4,"msg":74,"data":119},{"doc_id":71,"user_id":120,"nickname":42,"user_avatar":121,"doc_module":22,"category_id":101,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":122,"file_id":123,"file_url":124,"file_type":125,"file_size":126,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":127,"language":128,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":129,"faqs":130,"seo_title":131,"seo_description":12,"update_tm":132,"read_time":26},16904993612988,"https://ap-avatar.wpscdn.com/davatar_a8503ba1806abce46bf441b54a3ca4cd","Credit report review checklist  \nOnce you get your credit report, you will want to review it carefully. Ordering it is not enough—you have to read it. Credit reports may have mistakes. And if there are mistakes, you are the only one who is likely to find them.  \nUse the following worksheet to review each section of your credit report. Do this for each credit report you get throughout the year. Then, keep the completed checklist with your credit report.  \nYour credit report contains a lot of personal and financial information. Be sure to keep any hard copies of your credit reports in a safe and secure place. If you do not want to hang on to your credit reports, be sure to shred them before getting rid of them.  \n􀀸 Credit report review checklist  \nToday’s date:  Name of credit reporting agency:   \n1. Is your name correct?  YES  NO  \n\n| 2. Is your Social Security number correct? |  YES |  NO |\n| --- | --- | --- |\n| 3. Is your current address correct? Is your current phone number correct? |  YES |  NO |\n| 4. Are the previous addresses they have listed for you correct? |  YES |  NO |\n| 5. Is your marital status listed correctly? |  YES |  NO |\n| 6. Is the employment history they have listed for you accurate? |  YES |  NO |\n| 7. Is everything listed in the personal information section correct? |  YES |  NO |\n\n8. Is there anything listed in the public record information?  \nIs it correct?  \nHighlight the information you think may not be correct.  \n YES  \n YES  \n NO  \n NO  \nConsumer Financial Protection Bureau  \n[Learn more at](Learn more at consumerfinance.gov/owning-a-home 1 of 6)[ consumerfinance.gov/owning-a-home](Learn more at consumerfinance.gov/owning-a-home 1 of 6)[ 1 of 6](Learn more at consumerfinance.gov/owning-a-home 1 of 6)  \n9. Are the accounts on the list still open?  \nReview each item under the credit account (trade account) section.  \n YES  \n NO  \n\n| 10. Are all of the current balances correct? |  YES |  NO |\n| --- | --- | --- |\n| 11. Are accounts where you are an authorized user or joint owner listed? |  YES |  NO |\n| 12. Are zero balances recorded for debts discharged in bankruptcy? |  YES |  NO |\n| For debts paid in full? |  YES |  NO |\n| 13. Are you listed as a co-signer on a loan? |  YES |  NO |\n| Is this correct? |  YES |  NO |\n| 14. Are accounts that you closed listed as “closed by the consumer”? |  YES |  NO |\n| 15. Is negative information reported on each credit account correct? Look for late payments and missed payments. Highlight those items you think are not correct. |  YES |  NO |\n| 16. Are any accounts listed more than once?\u003Cbr>Check to make sure the same account is not listed multiple times in the collections section. |  YES |  NO |\n| 17. Is old negative information still being reported?\u003Cbr>If yes, highlight the information that has exceeded the negative information reporting limit, which is usually seven years. |  YES |  NO |\n\n18. Do you suspect that you have been the victim of identity theft after reviewing your credit reports?  \n YES  \n NO  \nIf you find something wrong with your credit report, you should dispute it. You may contact both the credit reporting company and the creditor or institution that provided the information. Explain what you think is wrong and why.  \nTo correct mistakes, it can help to contact both the credit reporting company and the source of the mistake. You may file a dispute not only with the credit reporting company, but also directly with the source of the information, and include  \nthe same supporting documentation. However, there are certain circumstances where creditors and furnishing institutions are not required to investigate.  \nYou may file your dispute online at each credit reporting agency’s website.  \nIf you file a dispute by mail, your dispute letter should include: Your complete name, address, and telephone number; your report confirmation  \nConsumer Financial Protection Bureau  \n[Learn more at](Learn more at consumerfinance.gov/owning-a-home 2 of 6)[ consumerfina","cbCaigjfQmxjPo9P","https://ap.wps.com/l/cbCaigjfQmxjPo9P","pdf",295906,6,"English","# Credit report review checklist\n## Personal information and public records\n## Credit accounts and negative information\n## Identity theft and dispute process","[{\"question\":\"What should you do if you suspect identity theft or find errors?\",\"answer\":\"Dispute the incorrect information, contacting both the credit reporting company and the source of the mistake, and include supporting documentation when submitting your dispute (online, by mail, or by phone).\"}]","Credit report review checklist - Dispute mistakes | PDF",1789528109]