Find out instantly. Advice from the Better Business Bureau. All About Credit Reporting From the Better Business Bureau. Visit the Consumer Credit Counseling Service of Greater San Antonio for advice and information. This way you remind yourself that the money is already spent, and you have set aside enough to pay off the new charges in full.
Most reports have at least one error.
Request a copy at least once a year to check for errors. A wrong digit in your social security number or a letter in your name can put data from someone else's file into yours.