All Kelly Community locations will be closed Wednesday, June 19th, in observance of Juneteenth. Our digital services are always open.
“Struggle is a never-ending process. Freedom is never really won. You earn it and win it in every generation.” – Coretta Scott King

Your Credit History

Your credit history is important. It tells businesses how you pay your bills. Those businesses then decide if they want to give you a credit card, a job, an apartment, a loan or insurance.

Find out what is in your report. Be sure the information is correct. Fix anything that is not correct.

How do I check my credit report?

This is easy to do by phone:

  • Call Annual Credit Report at 1-877-322-8228.
  • Answer questions from a recorded message. You have to give your address, Social Security number, and birth date.
  • Choose to only show the last four numbers of your Social Security number on your report. It is safer than showing your full Social Security number on your report.
  • Choose which credit reporting company you want a report from yYou get one free report from each company every year.)

That company mails your report to you. It should arrive 2-3 weeks after you call.

What do I do with my credit report?

Read it carefully. Make sure the information is correct:

  • Personal information – are the name and address correct?
  • Accounts – do you recognize them?
    • Is the information correct?
  • Negative information – do you recognize the accounts in this section of the report?
    • Is the information correct?

Inquiries – do you recognize the places you applied for credit? (If you do not, maybe someone stole your identity.)

The report will tell you how to improve your credit history. Only you can improve your credit history. It will take time. But if any of the information in your report is wrong, you can ask to have it fixed.

How do I fix mistakes in my credit report?

  • Tell the credit reporting company that you have questions about information in your report.
  • Explain which information is wrong and why you think it is incorrect.
  • Say that you want the information corrected or removed from your report.
  • Send a copy of your credit report with the wrong information to the credit bureau.
  • Send copies of other papers that help you explain why the information is incorrect.
  • Send this information Certified Mail and ask the post office for a return receipt. The receipt is proof that the credit reporting company got your letter.

The credit reporting company must look into your complaint and answer you in writing.

Skip to content