Your credit score is a starting point. Understand the story behind it.
Learn what a score represents, why scores differ, and what deserves your attention.
Read the guideReporting concerns
Unfamiliar accounts? Take identity concerns seriously.
Where to find reliable help when information may not belong to you.
Investigate unfamiliar information
An account you do not recognize can be a reporting mistake or a sign of identity theft. Save the relevant details and review your other reports.
Use the official recovery resource
Visit IdentityTheft.gov for a recovery plan based on your circumstances. Contact the affected business through a verified channel.
Protect your records
Keep personal documents private. Never send passwords, Social Security numbers, or account credentials through a general website contact form.
Results vary by individual credit profile. No score increase, deletion, or credit approval is guaranteed. Accurate and timely negative information generally cannot be removed simply because it affects a credit score. You can dispute credit report errors yourself at no charge.
General educational information. Not legal or individualized financial advice.
