Daniel Rosen (speaker) advises viewers to regularly check their credit reports — recommending at least once a month — to catch misreported information, unknown/new accounts (possible identity theft), and incorrect balances. When discrepancies are found he emphasizes disputing them promptly.
Most people don't check their credit reports often enough, and you never know what you're going to find until you find it. And when you find it, you can dispute it. But if you don't check your credit reports, then you don't know the mistakes are there. I recommend that you check your credit report at least once a month to see if any creditors have been misreporting information that there aren't any new accounts that you don't recognize because that could mean identity theft and that balances are are all accurate. And if there are discrepancies, dispute, dispute, dispute.
