Checking Identifying Information
The first thing that you should do when you get your credit report is to check your identifying information to make sure it is correct.
You should especially check for –
• Names that are misspelled that resemble your own name (a red flag for fraud)
• Names that aren’t yours
• Social security or Employee Identification (EIN) numbers that don’t belong to you
• An incorrect birth date
• Addresses of places where you have never resided
All of the above could indicate that someone else’s information is in your file. You could also find problems such as a misspelled address or the name of an employer you no long work for. These are all things that you can ask the credit bureau to change.