Check accuracy of your credit report

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Check your credit at least once a year.
The Big Three reporting agencies are: TransUnion, 1-800-916-8800; Equifax, 1-800-685-1111; and Experian, 1-888-397-3742
Scrutinizing your credit report once a year and then disputing any errors is the best way to keep your FICO score as high as it legitimately should be. Get your reports (from all three agencies) at AnnualCreditReport.com, or call 1-877-322-8228.
In some states you’re allowed two free reports per year.
If you cannot resolve a conflict, you can file a  complaint with the Federal Trade Commission at 1-877-382-4357.