You can get a free credit report each year from each of the three bureaus, Equifax, Experion, and TransUnion. 25% are incorrect enough to deny credit and/or increase the cost of borrowing. You should order one every four months rotating between the three bureaus to keep you aware of errors, and keep you aware of identity theft. You should fix errors immediately to the credit reports. The benefits are that you will keep your credit score high, reduce interest rates and get easier approval terms.