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It is the sad truth that errors on all of our credit reports are commonplace and can prevent us from living our best lives. Errors on credit reports can be so damaging to our creditworthiness and result in our being turned down for a mortgage or a car loan and even from being hired or getting a promotion. To protect ourselves from this kind of damage we each have to be our own consumer advocate by checking our credit reports for wrongly reported information. To start with, pull your credit report from annualcreditreport.com. This is the federally mandated site where you can get a free copy from TransUnion, Experian and Equifax, each, for free every 12 months. Then conduct a thorough review of everything from names, phone numbers, addresses and every tradeline listed and be sure to look for the following most common areas of error on credit reports:

• Clerical errors;
• Outdated information;
• Your account is mixed up with another person’s (a merged account);
• Background check and employment report errors;
• Identity theft.

If you discover any of these errors on your credit report, the next step is forwarding a written dispute letter (sent certified mail) to the credit reporting agencies and after that, if the errors are not corrected and those errors cause your creditworthiness to be harmed, contact Pine Street Legal to discuss the next steps for protecting your legal rights and getting justice for the harm that has been done to you.