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You are entitled to a free credit report from each of the three major bureaus (Equifax, Experian, TransUnion) every year at AnnualCreditReport.com .

Beyond the Score: 5 Hidden Credit Report Errors Costing You Money creditsmartreports.com

You paid your bill on time, but your credit report says "30 days late." Even one late payment marker can drop a healthy credit score by over Creditors often use this to justify rate hikes. You are entitled to a free credit report

Creditors can only report negative information for a specific amount of time—usually seven years. Sometimes, debts are "re-aged" to make them appear newer than they are. creditsmartreports.com