You should review your credit report about every 6 to 12 months. Check the report for incorrect or incomplete name, address, phone number, social security number and any employment information. Look for any accounts that are not yours, or any outstanding balances that may not be yours. If you find anything suspicious contact a credit bureau to report a dispute on your credit report. Once the credit bureau receives your dispute it will instruct you on what needs to be done to clear up your report.