Good credit begins with knowing where your credit is today, learning how to make smarter financial decisions tomorrow and protecting your credit moving forward. As a consumer you have a right to dispute any item that you feel is incorrect on your credit report through that particular credit bureaus dispute process. All three bureaus have an online dispute process you can access to file a dispute. For Experian members, you can dispute right within your member product. Please visit Experian's online credit report dispute for more information. You may call Experian at (888) 397-3742 or request a fraud alert or security freeze online. You may also contact the other two bureaus if you wish, however Fraud Alerts are shared with the other bureaus once you place one with a single bureau. Negative credit history generally remains on your credit report for 7 years from the date the account is closed, or 7 can i get an auto loan with a 600 credit score years from the date of the first delinquency. Many people frequently pay attention to their credit scores when they buy big-ticket items such as a new car or a home. While these are some of the most familiar reasons consumers monitor their credit reports, credit scores and reports are used for many other reasons as well. Good credit can get you better rates on common necessities such as car insurance premiums, cell phone contracts and apartment rental agreements. Some employers even check prospective employees' credit reports before making final hiring decisions. In addition, despite increased public awareness of identity theft, the crime continues to grow. Therefore, learning what's in your credit report , understanding your credit score , and monitoring your credit has never been more important. Get to know your credit report and let Experian help you understand your report with answers to your questions. Experian is dedicated to help you on your path to financial success. Since 1997, Experian has been answering consumers' credit questions in our Ask Experian column - providing helpful credit advice to questions about credit reports, credit scores, identity theft, and other important topics. Visit our extensive Credit Education section, where you will find helpful information on understanding credit reports and credit score basics, managing your credit and protecting your identity. You can also connect with us on Google+ for additional news and advice.