Using Your Free Annual Credit Report
After you review your credit report, it may be necessary to correct some of the information you find there. Because potential lenders who are determining your interest rate may review your file and compare it against the information you provide them, it is essential that all of the information is accurate, even if it seems trivial like an incorrect address from your last residence. Incorrect information may also be a sign that someone is trying to steal your information, so getting your report back on track is a good step in keeping your credit identity safe.

Your report will include an address or toll-free number for disputing incorrect information. After contacting the reporting company, you should also get in touch with the lender who included the incorrect information. For example, if your gas card listed an incorrect mailing address for you, make sure they have your actual address on file. This can prevent your private information from being sent to someone else who may use it for illegal purposes.

After you dispute part of your record, you qualify to receive another free report from the same company to verify that the information has been corrected.

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