www.annualcreditreport.com or www.transunion.com/investigate www.experian.com/reportaccess www.csc.com/investigage

These are all the three bureaus to determine what is inaccurate on the credit reports. Once you get in to each of these accounts, review if the information is correct.

Disputes: Asking the credit bureau to make the creditor validate the debt which they have 30 days to respond; if the creditor does not respond, the credit bureaus will simply remove it. If the creditor sells the debt, a collection agency will repost the item to the credit bureau. Charge offs are usually sold for pennies on the dollar, but the credit is getting a bad debt expense. This is why it is important you know your rights. Visit: www.ftc.gov Do not take anyone's word for it. www.consumerfinance.gov to file a complaint on a creditor or collection agency harassing you! There is help available.