Do a credit check — make sure there are no mistakes.

The two companies below offer you a completely confidential service to have all the mistakes corrected. To apply, choose one of the two companies. Both will supply a free credit report, so it costs you nothing to find out what the central records say. If there are no mistakes, you have lost nothing. If there are errors, tell the company you have chosen and your credit score will be restored. That means you can only win with this system.
Top offers to get your instant FREE credit report and to have an expert help you repair your credit score

All the banks and financial companies contribute information about where you live and how you manage your financial affairs to a central database. This builds up into a comprehensive history of how you live your life. Lenders use it to decide whether you are a good credit risk. Employers use it to see whether you manage your money responsibly. Landlords check up to see whether you pay your bill on time.
It only takes one slip, say, showing a big bill as unpaid, but the results can devastating. Your existing lenders ask you for a higher rate of interest on your current loans and new lenders refuse you credit.
You have a right to have all errors and mistakes corrected but talking to big companies can be intimidating.