There are several steps involved in correcting credit errors.

1). Order your credit file from each of the three major credit bureaus (Experian, Equifax, and Transunion), not through a reseller. If you order your credit file from a reseller, you will not be able to initiate a dispute. It is important that you request your credit file from each bureau as they do not share information and your account information will likely differ from bureau to bureau. Make sure you go directly to their respective websites (Experian.com, Equifax.com, Transunion.com)

2) Check all of the accounts listed for accuracy and errors. Are all the accounts yours? Have any accounts been closed that are still being reported open? What about balances