Get credit reports from each of the three credit bureaus. Check for inaccuracies. Not only might they be erroneously reporting a past credit problem, but they might reveal accounts you were unaware of that have been opened in your name. That can be a warning sign for fraud. First, contact any credit source that is showing inaccurate payment history or account information. Then, when you’ve cleared things up with them, contact each credit bureau that was reporting the inaccurate information. Keep written records of all these communications.