Credit Report Audit Checklist

First pass: get the records

• ☐ Get a current report from each nationwide credit bureau at AnnualCreditReport.com.
• ☐ Save each original report and note its date.
• ☐ Compare your name, addresses and identifying details across bureaus.
• ☐ For each account, note the furnisher, account status, balance, past-due amount, payment history and important dates.
• ☐ Flag entries that do not match records you have, not merely entries you dislike.
• ☐ Collect payment receipts, account statements, court documents and other legitimate evidence.
• ☐ Record the specific field you believe is wrong and what factual correction you seek.
• ☐ Identify which bureau(s) report the issue and whether the furnisher should also be contacted.
• ☐ Keep an evidence log with submission dates, confirmation numbers and responses.
• ☐ Maintain positive payment habits while waiting for results.

Educational checklist. Procedures vary; confirm current official guidance.