How do I know if there has been a reporting error on my credit report?

As a general rule, any consumer that has borrowed money, used a credit card, or has entered into any kind of credit agreement should go online and check their credit report to make sure that it is accurate. The only website that has been approved by the FTC for access to your free credit report is annualcreditreport.com. At a minimum, you should check your credit report once a year, if not more.