Small mistakes are a lot more common than you think, and they can do some serious damage to your credit score. Here's how to properly check it.

3. Request Credit Reports & Answer Any Security Questions. After you fill out the form, you can request your credit reports from the three major credit bureaus.

Mailing address: Download the annual credit report request form, fill it out and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

As you noticed, it’s not easy to use the online credit request form to access another person’s reports, nor can you conduct the transaction by phone if your mother is unable to provide you ...

This form can be used to request a credit freeze with any or all of the credit bureaus. To be safe, send your letters certified mail — return receipt requested.