Each consumer has the right to obtain a free copy of their credit repot from Equifax, Experian, and TransUnion once every year and once after each credit  denial.
It is important to scrutinize your credit report for serious errors such as:
•Delinquencies that are older than seven years old, or accounts listed as delinquent that don't include the date of  delinquency

•Bankruptcies that are older than ten years or that aren't  listed by the specific   chapter •judgments or paid liens older than seven years
•paid off debts listed as unpaid
•accounts that were included in a bankruptcy filing that are still listed as "past due" instead of as "included  in bankruptcy"
•more than one collections  account for the same  debt •collection accounts that don't show the date that the original account went delinquent
•any account, delinquencies, collections, and so on that aren't  yours If any of the above mentioned errors are on your credit report you need to know your rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. You have the following rights:
•The right to dispute the errors
•The right to have the erroneous information corrected or deleted
•The right to a written response from each credit bureau after the completion of its investigation
•The right to add a consumer statement to your credit file
•The right to sue id a creditor or collection agency violates your rights per the FCRA and FDCPA