1. Start with your credit report
This is a simple but important step many consumers overlook. Credit reports sometimes contain inaccuracies, and they can alert you to fraudulent accounts opened in your name as a result of identity theft.
Even if you’re new to the world of credit, you might still have a file with the three major credit bureaus — Equifax, Experian and TransUnion. So, request your free credit report from them.
Then, carefully analyze the contents and dispute any inaccuracies. For pointers, check out “Fixing Your Credit? Do These 5 Things, Avoid These 3.”