Interested in seeing how your credit looks to lenders? Here is how to get credit reports: On the Internet: annualcreditreport.com Be careful how you...

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Interested in seeing how your credit looks to lenders?

Here is how to get credit reports:

On the Internet: annualcreditreport.com

Be careful how you reach the Web site. A number of impostor Web sites have been set up to take advantage of typos or misspellings.

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Unlimited Digital Access. $1 for 4 weeks.

These sites may charge you a fee for your report, or worse, use your personal information to steal your identity.

For safety, consider gaining access to the correct Web site by linking to it through www.ftc.gov.

Once online, be prepared to readily and correctly provide some personal information, such as the name of your mortgage company or the amount of the most recent payment, to verify your identity and be able to gain access to your report online.

By phone: 877-322-8228.

Or mail:

Annual Credit Report

Request Service

P.O. Box 105281

Atlanta, GA 30348-5281.

Reports are issued instantly if requested online; they are mailed within 15 days of a telephone or written request.

Once you have a report, you should carefully review your personal information, credit summary, public records (such as liens recorded against you) and inquiries from companies that may have accessed your credit report.

If any of the information is incorrect, dispute it by carefully following the procedures outlined by the credit bureau to correct any item.

If you are disputing a loan or late-payment history from a lender, credit-card company or retailer, notify that company of the problem as well.