Do you know what's on your credit report? It's something to think about, especially if you're applying for a loan. Take it upon yourself to call the credit bureaus (TRW, Equifax and Trans Union) every six months to obtain a copy of your credit report. Then go over it with a fine-toothed comb. If you find a mistake, challenge it in writing-the bureau must then investigate the claim within 30 days. If the information is found to be incorrect, it must be corrected; if it can't be verified, it must be removed from your credit report.