2. Evaluate Your Credit Report

Just because something appears on your credit report doesn't make it true. After obtaining your report, check it for accuracy. Verify that the accounts listed actually belong to you and that all reported information is correct. Appeal inaccurate information. You can even ask prior lenders to remove negative marks on your credit report if you've ultimately made good on your debt. If you're polite and courteous, some lenders may accommodate your request.

reading a credit report

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