From data entry mistakes to the results of identity theft, errors on your credit report can lower your credit score.
"Your Experian credit report can look very different from your TransUnion credit report, which can look very different from your Equifax credit report," Schulz says.
By law, you can receive one free credit report from each major credit bureau every year by visiting annualcreditreport.com.
Last year, all three major credit bureaus permanently extended a program that allows you get your credit report for free once a week.
Once you obtain your credit report, look closely for errors, such as accounts that aren't yours, incorrect credit limits or unauthorized hard credit inquiries.
Persons:
Matt Schulz, Schulz, annualcreditreport.com
Organizations:
Consumer Financial, Bureau