The first step toward raising your credit score is to check your credit report. You are entitled to a free annual credit report from each credit reporting agency, but once you have your report in hand you might find you have more questions than answers. To understand what your credit report is saying about you it is important to know what it contains.
Personal Information
The personal information section contains identifying information such as your name, birthday, address, and telephone number. Often this section includes any other names you’ve used in the past, the name of your employer, previous addresses, driver’s license numbers, and your spouse’s name.
Occasionally this information can be outdated or contain misspelled names. As long as this information still applies to you, these variations won’t hurt your credit score.