Many individual reports are riddled with inaccuracies, mistakes and errors, and it is prudent for everyone to check his or her credit report annually.
Under the federal Fair Credit Reporting Act, individuals have a right to see their own credit reports and correct inaccuracies.
Divorced spouses, particularly women, often find that their credit ratings must be re-established in the wake of a divorce.
Resources: the three major credit bureaus are - Equifax, www.equifax.com - Experian, www.experian.com - TransUnion, www.transunion.com
Fair Credit Reporting Act, 15 U.S.C.A. ยง 1681 et seq.