Content Overview 
- Summary
- Who Creates A Credit Report?
- What Is In My Credit Report?
- How To Get A Free Copy Of My Credit Report
- What Should I Look For In My Credit Report?
- How Do I Get New Favorable Information Included In My Credit Report?
- How Do I Fix An Error In My Credit Report?
- What Do I Do If My Account Is Already Very Delinquent or "Charged Off" As Bad Debt?
- What If The Creditor Or Credit Bureau Won't Fix An Error In My Credit Report?
- How Can I Prevent Errors In My Credit Report For The Future?
- How To Improve Your Credit Score
Credit Reports: What They Are, How To Get One, How To Fix It
How Can I Prevent Errors In My Credit Report For The Future?
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If you do the following when you apply for new credit, it will help minimize errors or missing information in your report:
- Use the same name on all your credit cards and loans. For example, don't use a middle initial sometimes, but not others. If your name has a suffix, like "Junior" or "III", always use it. If you don't use the same name, your report could be mixed up with your parents or people with similar names.
- Always provide your Social Security number when applying for credit. It's a big country -- chances are someone else has your name or something similar.
List your address and previous addresses on your credit applications. This will help bureaus link your history together, even if you've moved a lot.
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