Personal information
Check your name variations, addresses and employers. Errors here aren't scored, but they can signal mixed files or identity issues worth correcting.
Accounts (tradelines)
Each account shows its opening date, limit or original amount, balance, status and payment history grid. Confirm every account is yours and every status is accurate.
Collections and public records
Collections list original creditors and balances. Public records today are generally limited to bankruptcies. Verify dates carefully — negative items have legal time limits.
Inquiries
The inquiry section shows who has pulled your credit. Unrecognized hard inquiries deserve investigation, since they can indicate fraud.
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