This month, make it a point to start improving your credit score. First step, check your credit report, especially if you haven’t checked it in a while.

Where to check?

The three national credit reporting agencies are a great start. Check Equifax, Experian and TransUnion. They all keep credit reports on consumers.

You can obtain a free copy of your credit report once a year at AnnualCreditReport.com.
Keep in mind that a credit report doesn’t have credit scores. It has a detailed explanation of what’s in your report.

Once you know what’s in your report, start looking for any incorrect or false information. If there is any, it’s time to challenge that with the Bureaus and the company who put it on your report.