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Old Jul 14, 2011 | 7:11 am
  #11  
~tc~
 
Join Date: Jun 2011
Programs: *G, M+ Platinum
Posts: 619
Sounds like a reasonable course of action.

Start now with pulling your free annual credit report, and making sure it is correct.
https://www.annualcreditreport.com/cra/index.jsp

You are allowed one from each of the 3 organizations every year. I would highly recommend doing them 4 months apart, as it seems when you make corrections to one, it flows across to the others a fair amount of the time.

Dispute any "potentially negative" items. Stay on top of it, and keep it clean. Since you are starting out, make sure all your accounts report and show. If any don't, you will need to contact the account holder and ask them to submit your info to the credit reporting agencies.

Note that the free credit report is just that - the report. You will have to pay extra to see your score, and they will try and sell you subscriptions for continuous monitoring, etc (which I would always skip)
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