credit reports is a delicate system where your financial choices of the past and present affect your choice of the future.

You can always ask your personal credit report from all three credit bureaus in the United States.

Some things to look for: accounts that are not yours, accounts entered more than once, payments recorded later when they were on time, differences in the amount due, etc.

But first you need to be aware of your financial situation and this thing can be easily reached by free credit score. Now you subscribe to this service and have a complete understanding of your current financial situation easily pay some money.
I'm sure you understand that the credit bureaus must include only specific information in my file.
It is important to find out what financial habits or situations you got into trouble in the first place and take care of them as best you can.