LINCOLN - A good credit rating is something everyone values, but consumers need to be aware that their credit rating can be damaged through no fault of their own.

Consumers who have experienced a bankruptcy or who have other credit problems are the ideal targets for credit repair and other credit scams.

Minimize your vulnerability for credit fraud by ordering copies of your credit reports from the three credit reporting bureaus each year. Check the reports to make sure they are accurate and that they include only those activities you have authorized. Information in your credit reports can affect your ability to get a job, buy a house, obtain a loan or get a credit card. If someone is fraudulently using your identity, your credit report may be your first indication that your name and social security number have been used without your knowledge to obtain credit. The identity thief has no intention of repaying the debts he is incurring, and the reports of non-payment will show up on your credit reports.

To obtain a copy of your credit report, call the three credit reporting bureaus. These are: Equifax, 800-685-1111; Experian, 800-682-7654; and Trans Union, 800-916-8800.

Credit reporting bureaus already have your social security number on file, so it is alright to identify yourself by giving your social security number, if requested. There may be a fee for the report, but it will be nominal. If you have an application for credit, insurance or employment denied because of information supplied by a credit bureau, the company you applied to must provide you with that credit bureau's name, address and telephone number and you will be entitled to an updated report, free of charge from that credit reporting bureau.

You may dispute mistakes or outdated items on your credit report. Ask the credit bureau for a dispute form or submit your dispute in writing, along with copies of any supporting documentation.

Our office frequently hears from consumers who have paid a large fee to a company that has promised to "clean up" their credit history. If the information on your credit report is accurate, no one can legally remove that information. Only time, a conscientious effort, and a personal debt repayment plan will improve your credit report. Other companies may offer, for a fee, to hide your unfavorable credit information and get you a new credit identity. This practice may be illegal under many state laws.