Request your credit report from the major credit bureaus
Use the official annual free credit report website if available in your country
Create an account on the credit bureau’s website
Verify your identity with personal information
Download or view your credit file online
Check for personal details, accounts, balances, and payment history
Review credit inquiries and public records
Look for errors, unfamiliar accounts, or signs of fraud
Dispute any incorrect information with the credit bureau
Check your credit file regularly