As you know, I believe you should pull your credit report at least once a year, maybe even twice a year. You can get a free one from this website (this is the official one, not one of those that make you buy something first). But, what do you do if you find wrong information on your credit report? Send this letter:
Dear Sir or Madam:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
This item (name of source and identity of item) is (inaccurate or incomplete) because (state specific reason here). I am requesting that the item be removed (or changed) to correct the information.
Enclosed are copies of (any supporting documentation) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
Mr. And Mrs. Consumer
This letter should help you dispute wrong items. This could help you increase your credit score just by fixing problems.