Question

what does fact-checking your credit report mean? reviewing and concurring automatically reviewing and failing to pay your debts reviewing and disputing if necessary

Explanation:

Fact - checking a credit report involves carefully reviewing its details. If any inaccuracies or disputes are found, the process of disputing those items is part of fact - checking. Automatic concurrence without proper review is not fact - checking. Failing to pay debts is an action related to creditworthiness but not the act of fact - checking.

Answer:

reviewing and disputing if necessary