信用評分對您的財務狀況至關重要。它決定您是否能獲得貸款、信用卡和其他形式的信貸，也會影響您獲得這些信貸產品的利率。鑑於信用評分如此重要，定期監控和檢查您的信用報告，以發現任何錯誤或差異至關重要。

取得信用報告相對簡單。根據法律規定，三大信用評等機構 Equifax、Experian 和 TransUnion 必須每 12 個月向您免費提供一份信用報告。您可以透過線上、電話或郵寄方式申請取得報告。

拿到信用報告後，就該仔細檢討了。檢查個人資訊中是否有錯誤，例如地址錯誤或姓名拼字錯誤。這些看似微不足道的訊息，卻可能是身分盜竊或信用卡詐欺的潛在跡象。

Next, check each account listed on your report. Ensure that all the accounts are indeed yours and that the information associated with them is accurate. Look out for any late payments, delinquencies, or collections that you don't recognize. These could be signs of fraudulent activity or reporting errors.

Pay close attention to your credit utilization ratio, which is the percentage of your available credit that you're using. Ideally, you should aim to keep your credit utilization below 30%. If you notice any accounts with excessively high balances, it's essential to address them promptly to prevent potential damage to your credit score.

If you come across any errors or discrepancies during your credit report review, don't panic. The Fair Credit Reporting Act (FCRA) grants you the right to dispute inaccurate information on your credit report. Begin by documenting the errors and gathering any supporting documentation that proves the information is incorrect. Contact the credit bureau directly by mail, phone, or through their website to initiate the dispute process.

It's also worth noting that after a recent amendment to the FCRA, as of April 20th, 2022, you can request a free copy of your credit report from the major credit bureaus every week for the foreseeable future. This change was implemented to provide consumers with more frequent access to monitor their credit reports due to the increased risks associated with identity theft and fraud.

定期查看信用報告對於維持良好的信用評分和確保財務資訊的準確性至關重要。主動查看信用報告，至少每年一次，可以幫助您發現並解決任何可能影響您信用狀況的錯誤或差異。請充分利用您免費取得信用報告的權利，保障您的財務安全。