You should ensure that the inquiries on your file came from you. You should also ensure you keep these to a minimum.

Ensure that only your name and your address are on your credit report. There should not be any other names or AKA’s on your report.

Check all of the accounts to ensure you recognize the banks and that they all belong to you. It is your report, so you should be checking it on occasion as well as signing up for a free account on Credit Karma so you get credit change alerts in real time.

This is the largest part of your credit report, so ensure that there are no late payments showing up in error. If you have some from the past, there are various options to help get these late payments removed so they don’t follow you around the next 7 years.

Credit utilization is the 2nd largest part of your credit score. This is how much debt you are carrying in comparison to how much available credit you have. The scoring algorithm is set to reward accounts that have 30% or less of the accounts credit line being used. So get this to just under 30% to maximize this portion of your score.

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