The document provides instructions to review credit reports every 4 months for mistakes or fraud, contact credit reporting agencies directly to address errors, and fix credit issues yourself when possible. It also lists the addresses and websites for Experian, TransUnion, and Equifax so consumers can access their credit reports and histories from the three major credit bureaus.

3. Get one every 4 months Review carefully for mistakes and fraud Contact credit reporting agencies about mistakes. They will help. In many cases you can fix your credit yourself. EXPERIAN PO BOX 2002 ALLEN, TX 75013 888-397-3742 www.experian.com/reportaccess TRANSUNION PO BOX 1000 CHESTER, PA 19016 800-888-4213 www.transunion.com EQUIFAX PO BOX 740241 ATLANTA, GA 30374 800-685-1111 www.equifax.com

9. To insure a long credit history.

12. YOU Guessed IT!!!!