Your credit report provides a snapshot of your credit history and breaks down many of the factors that determine your credit score.
Review your credit report regularly If you see any errors you can dispute them by contacting the company or lender in question or by contacting any of the three reporting agencies (each has a dispute form on there website). Monitoring your credit report will also enable you to detect when someone else has opened an account in your name and thus help you thwart identity theft. Your free credit report will not give you your credit score but there are other ways to obtain it. The higher your score, the more favorable interest rate you will receive. Remember, you cannot "fix" your credit score, but over time, you can improve it.
You can view more details about the dispute process and even a sample letter here.
If you are an international student and do not have a social security number, please click here for instructions on obtaining your credit report.