If building or rebuilding your credit is one of your goals this year, here’s a simple habit that can make a big difference: check your credit report every month. It’s easy, free, and can help you spot errors that may be quietly hurting your credit score.Your credit report is like your financial report card. Lenders, landlords, and even some employers review it to decide if you’re a responsible borrower. The issue? Credit reports aren’t always accurate. In fact, studies show that about one in five Americans has at least one error on their report. These mistakes could be as small as a wrong address or as serious as a late payment that never happened—or an account that doesn’t even belong to you.Even a single error can have a negative impact on your credit score, which means you could be paying higher interest rates or even getting denied for credit you should qualify for. That’s why checking your report monthly is so important. If you find an error, you have the right to take action by filing a credit dispute. This process is free and straightforward: you contact the credit bureau (like Equifax, Experian, or TransUnion), explain what’s wrong, and provide any documents that support your claim. The bureau is legally required to investigate, usually within 30 days.Correcting an error—like removing a false late payment or deleting an account that doesn’t belong to you—can significantly boost your credit score. Some people see jumps of 20, 30, even 50 points, depending on the issue. While credit disputes aren’t a magic fix for poor credit, they are a legitimate and often overlooked strategy for improving your financial profile.TomoCredit now offers fast and easy support for credit disputes—giving users a head start on identifying and fixing errors that could be holding them back. With TomoCredit, you can get a faster resolution process, meaning you might see improvements to your credit score sooner than if you filed on your own. It’s a smart, proactive way to take control of your financial future—especially if you’re working toward better credit in the near term.Think of it like spring cleaning for your credit. Even if you don’t find any problems, reviewing your report regularly helps you stay on top of your credit usage and protects you from fraud or identity theft. It’s one of the easiest ways to be proactive with your financial health.You can pull your credit report for free at TomoCredit.com. Make it a habit—set a calendar reminder, review your report like you would your bank statement, and if you see something that doesn’t look right, take action. And if you want help navigating that process, TomoCredit is here to support you—so you can correct errors quickly and get the credit score boost you deserve.