| • |
Order your free
credit report if you haven’t done so. |
| • |
Set a date to
read it over and makes notes of any information
that might be incorrect. |
| • |
Ask a friend
or mentor to read your credit report with you if
you need help. |
| • |
If you find errors
on your plan, dispute them. |
| • |
If you find requests
for credit that you did not ask for or accounts
you did not open, call one of the credit reporting
agencies and request a fraud alert. The agency
you call is required to contact the other two agencies
about the alert. The other agencies will respond
by placing fraud alerts on your credit reports. |