Monitor your credit report for inaccuracies each month. False information such as an incorrect address or phone number, accounts you didn't open or apply for, and payments you've made that were not reported could all be hurting your score. Glitches in the system or wrong information reported to the wrong person often lead to mistakes, and you want to catch both these and any indicators of identity theft. Be sure to contact each credit bureau if you find inaccuracies, and provide a detailed explanation and proof of your correct information.
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