You have the right to obtain one free copy of your credit report from the three credit repositories (Experian, Trans Union and Equifax) annually.  It is important that you make sure the information reported on your credit files maintained by these thee agencies is accurate. 

The Fair Credit Reporting Act of 1973 gives you the right to dispute any information that is reported on your credit files.  Derogatory information (late payments, collection items, judgments…) negatively affect your credit scores.  You can challenge the validity of anything reported on your credit file with the bureaus directly or you can use a reputable credit restorations service for a minimal fee to perform this validation for you.  Please go to my credit restoration web site www.vrtechmarketinggroup.com/leone/ for more information on this service.