Find Incorrect Account Information
Balances that don't match what you owe, payment history that doesn't line up, accounts reported wrong, these things show up more often than people expect.
FOUNDATION OF DISPUTESOrder Your Credit Report Online
Order Your Credit Report Online
and Review Your Credit History
Access your credit report, see exactly what’s being reported about you, and spot errors, unfamiliar accounts, or details that don’t add up.
- Review Your Credit History
- Check for Inaccurate Information
- Identify Unfamiliar Accounts
- Understand What Appears on Your Report
- Start the Next Step if You Find an Error
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Why obtain your reports?
Accurate data is the key to winning any credit dispute.
Dispute Accuracy
Ensure the data used for your letters is 100% accurate.
Identify Errors
Spot inquiries and accounts you don't recognize immediately.
Build Evidence
Your credit report serves as the primary evidence for FCRA claims.
Free Official Methods
Under federal law, you are entitled to a free credit report from each bureau every 12 months.
"Your credit report is the evidence. Your rights are the leverage. We provide the tools to bridge the gap."
Built for the People
How to Order a Credit Report Online
U.S. consumers can request a credit report from each of the three nationwide bureaus, Equifax, Experian, and TransUnion. The FTC identifies AnnualCreditReport.com as the authorized site for the free annual reports you're entitled to by law, and right now the bureaus are also offering free weekly reports there.
Ordering the report itself is the easy part. IAMPROSAY comes in after that, once you actually have your report in hand and need help making sense of what's on it, or preparing a dispute for something that looks wrong.
Why Should You Check Your Credit Report?
Spot Accounts You Don't Recognize
An unfamiliar account isn't always a clerical mistake. Sometimes it's worth investigating further, including the possibility of identity theft.
Check Your Personal Information
Your name, addresses on file, account details, credit inquiries, and any public-record information that applies to you, all of it should actually be yours.
Prepare for a Credit Dispute
Before you dispute anything, you need to know exactly what's wrong. Going through the full report first is how you get there. The FTC also recommends checking your reports regularly for this exact reason, errors and identity theft are both easier to catch early.
What Information Is Included in a Credit Report?
Personal Identifying Information
Name, addresses, and similar identifying details.
Credit Accounts
Loans, credit cards, and other accounts reported to the bureau.
Payment History
A record of how and when accounts have been paid.
Credit Inquiries
Who has requested your credit and when.
Collections and Other Reported Accounts
Any accounts sent to collections or otherwise reported outside normal account activity.
Public Records, Where Applicable
Certain public-record information, depending on your situation.
One thing worth being clear about: a credit report and a credit score are not the same thing. Your score is calculated using the information sitting in your report, but the report itself is the full picture, not a number.
How to Review Your Credit Report for Errors
Check That Every Account Belongs to You
Start here. Anything you don't recognize gets flagged first.
Review Account Balances and Payment History
Compare what's listed against what you actually know to be true.
Check for Duplicate Accounts
The same debt shouldn't show up twice.
Look for Incorrect Late Payments
A payment marked late that you know was on time is worth disputing.
Review Closed Accounts
Make sure closed accounts are actually marked closed, and that the details are accurate.
Check for Unfamiliar Credit Inquiries
Inquiries you don't recognize can be a sign someone applied for credit in your name.
Verify Personal Information
Old addresses, misspelled names, anything that doesn't match, small errors like these are worth catching too.
Next step
What Should You Do If You Find an Error?
Figure out exactly what's wrong, gather whatever records back you up, then dispute it, both with the credit bureau reporting the error and, where it applies, the company that supplied the information in the first place. The FTC specifically recommends contacting both, not just the bureau, since the company that furnished the bad information is often part of the fix too.
Get Help With Errors on Your Credit Report
Tell Us What You Found
Point to the account or piece of information that's wrong.
Explain What Is Wrong
Answer a few guided questions about the error.
Prepare Your Dispute
We help you put together the right documentation.
Review Your Next Steps
Know exactly where and how to submit it.
Can You Order All Three Credit Reports Online?
Yes. You can request reports from Equifax, Experian, and TransUnion, either all at once or one at a time. Worth knowing: they won't necessarily match. Not every creditor reports to all three bureaus, so what shows up on one can differ from the others.
How Often Should You Check Your Credit Report?
Right now, all three bureaus offer free weekly reports through AnnualCreditReport.com, so there's no real reason to wait until something goes wrong. It's especially worth checking:
Before you:
- Apply for a mortgage
- Apply for an auto loan
- Apply for a credit card
- Apply for rental housing
- Identity theft
- A data breach involving your information
- An unexpected credit denial
- Any suspicious account activity
After:
Credit Report vs. Credit Score: What's the Difference?
Credit Report
A detailed record of your credit history, every account, every payment, every inquiry.
Credit Score
A number calculated from that history, used to summarize your creditworthiness at a glance.
Ordering your credit report doesn't automatically hand you a credit score, they come from different places, and one being available doesn't mean the other is too.
FAQ
Frequently Asked Questions About Ordering Credit Reports Online
Directly from each of the three major bureaus, Equifax, Experian, and TransUnion, or through a monitoring service that pulls all three at once. We can point you toward whichever fits, depending on whether you need a one-time report or ongoing monitoring.
Yes. Federal law entitles you to a free copy from each of the three bureaus. Beyond that, paid monitoring services offer more frequent access and extras like real-time alerts.
Request them individually from each bureau, or use a service that pulls all three together. If you're heading toward a dispute, seeing all three side by side usually makes the picture clearer.
No. That's a soft inquiry, and it doesn't affect your score no matter how often you check.
No. The report is the detailed history, accounts, payments, inquiries. The score is a number calculated from that history. You need the report to actually understand what's behind your score.
Your personal information, every listed account and balance, your payment history, any hard inquiries you don't recognize, and public records like bankruptcies or collections. Anything that doesn't match your own records is worth a closer look.
It could be an error, outdated information, or identity theft. Dispute it with the bureau reporting it, and if identity theft seems likely, consider a fraud alert or credit freeze as well.
File directly with the bureau reporting the error, along with documentation that backs up your claim. We can help you prepare a dispute letter that actually says what it needs to.
Not every creditor reports to every bureau, and timing varies too. That's why one report can show different accounts, balances, or inquiries than another, checking all three separately is the only way to see the full picture.
At least once a year, though every few months isn't overkill, it just means you catch errors or identity theft sooner rather than later.
Next step
Review Your Credit Report and Know What Comes Next
Start by seeing what's actually on your credit report. If something looks off or unfamiliar, IAMPROSAY can help you understand what to do next and prepare your dispute.