Obtain and review a copy of your free credit report.

Paying your accounts on time each month can help you qualify for a future home mortgage and could even help you land a new job. You should realize, however, that you have the right to review your credit report upon request to the three major consumer reporting agencies; we recommend that you do so at least once a year. It is important to review it and correct any errors that might negatively affect your current or future credit rating. To receive a copy of your free report, call or write the three national credit reporting agencies:

Equifax Information Service Center
Equifax Credit Information Services, Inc

TransUnion LLC
TransUnion

Experian National Consumer Assistance Center
Experian