The credit report maintained by credit agencies contains personal information, credit history, inquires and public records. The information is gathered on an ongoing basis from various sources and lenders, insurance companies, employers, government agencies and companies that monitor the information for prevention of identity theft can have access to it. As the credit report of an individual is accessed by so many people and agencies, it is important that it is accurate. It is best to check your credit report at regular intervals so that you are able to verify the authenticity of the information available and dispute if you find any errors in it. Tips to dispute errors on credit report If you find outdated or incorrect information on your report that has been prepared by the credit agencies, you need to get it corrected at the earliest as it may affect your chances of getting a loan at favorable terms and conditions. It is advisable to keep a copy or record of everything that