Hats off for seeking out your credit report. There are many ways to get a copy of your credit report – some are free and some require payment. Visitannualcreditreport.com to get your free credit report at least once a year.
Understanding what’s on your credit report is the first to step to understanding what is impacting your credit score. While your credit score is a numerical depiction of what’s in your credit report, looking at the details on your credit report can tell you what is effecting your score. Click here for more guidance on what factors may be impacting your score. Look for information that may be inaccurate or incomplete and begin the process of disputing them, if necessary.
Whether you have a discrepancy on your credit report or not, you should monitor your credit on an ongoing basis for updates being made. USAA offers Credit Monitoring and ID Protection to help monitor your credit report and score on an ongoing basis.