If you received an “accommodation” from a creditor or by the State of California to modify, withhold or delay debt payments then you should take advantage of the free weekly credit reports offered by Equifax, TransUnion and Experian. This is crucial to maintaining an accurate FICO score, which not only impacts the ability to obtain credit at market interest rates, but may also impact employment opportunities. If errors exist, you can write the credit reporting agencies and demand corrections, which should spark a timely investigation. However, unlike the majority of states, California residents, do not require a consumer to file a dispute before filing a lawsuit against the furnisher of false information.