Keeping your life organized includes keeping your credit organized. To know what is in your credit report, the Federal Government regulated that each of us is eligable for a free credit report once per year from each of the 3 major credit bureaus. Those are Equifax, Experian and TransUnion. I get one from each bureau every 4 months, since most info is common to all 3. Or, you may order all 3 at once. When you get the report, there are instructions for correcting information if you find errors...which are common. Call 1-877-322-8228 or go online to https://www.annualcreditreport.com which is the only place to go for true free credit reports with no strings attached.