Review Your Credit Reports for Errors

Once you have your credit reports, read through them completely. If you have a long credit history, your credit reports might be several pages long. Try not to get overwhelmed by all the information you're reading. It's a lot to digest, especially if you're checking your credit report for the first time. Take your time and review your credit report over several days if you need to.
Reading Your Credit Report

Become familiar with the information contained in each of your credit reports. They'll all look very similar, even if you've ordered them from different bureaus. Each credit report contains: your personal identifying information, detailed history for each of your accounts, any items that have been listed in public record like a bankruptcy, and the inquiries that have been made to your credit report.
Deciding What Needs Repair

Here are the types of information you'll need to repair:

    Incorrect information, including accounts that aren’t yours, payments that have been incorrectly reported late, etc.
    Past due accounts that are late, charged off, or have been sent to collections.
    Maxed out accounts that are over the credit limit.

Use different color highlighters for each type of information to help you easily make a credit repair plan. You'll take a different approach for incorrect information than you would for a past due account so using different colors save time re-reading your credit report each time you're ready to payment a payment, call a creditor, or send a letter.