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Whether you are a student applying for financial Aid , a  recent graduate trying to navigate a range of repayment options available, or  exploring the possibility of buying a new home, you need to request and review your credit reports. When it comes to your own consumer reports, you have the legal right to:

• obtain the information in your consumer reports, and
• dispute inaccuracies with the consumer r
  
  

  eporting companies and those who gave them the information.

• You should fact-check your credit reports for free from the three largest nationwide consumer reporting companies every twelve months.
• You should fact-check your specialty consumer reports during important life events and situations, such as when applying for a job, rental home, or at other times like when applying for a new bank account or insurance policy.
• In prior years, this list has referred to consumer reporting businesses as “agencies” or “bureaus.” These terms can be confusing because they make it sound as if these businesses might be part of the government. But they are not. They are private-sector companies which are overwhelmingly for-profit. In our list, we call them “companies” for greater clarity.

How do I dispute an error on my credit report?

Contact both the credit reporting company and the company that prov

ided the information. You should explain what you think is wrong, why, and include copies of documents that support your dispute. Warning: Do not include original copies of the documents ..