I suspect most of us have heard about the opportunity to obtain a "free" credit report from the three major reporting agencies each year allowing each of us to challenge any negative reporting, and then access our report for seven days after. You will be given a special report number - be sure and write it down - and you will need that in order to access any updates. I had one item on mine that was clearly bogus, and I challenged it as being untrue. I received an updated report that indicated it was removed.
In addition to checking your payment records, etc., it allows you to check the spelling of your name, any addresses that belong to you, and to correct any incorrect information!
I cleaned mine up.