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Two or more social security numbers, flagging the possibility that information for someone with the same name has made it into your credit report
Wrong date of birth (DOB)
Credit cards you don’t have
Loans you haven’t taken out
Records of unpaid bills that you either know you paid or have good reason for not paying
Records of delinquent payments that you either know you paid on time or have a good excuse for not paying on time
Inquiries from companies with whom you’ve never done business (when you apply for a loan, the lender typically runs an inquiry on your credit report, and that shows up on the report)
Check your credit report once a year to keep track of your creditworthiness over time and to stay on top of any false information or signs of financial fraud.
Understanding what your credit score means
To give your credit rating an air of objectivity, credit reporting agencies often assign you a credit score that ranges roughly between 300 (you have never paid a bill in your life) and 900 (you borrow often, always pay your bills on time, and carry no huge balances on your credit cards).