Reviewing your credit report is the best way to make sure all your information is accurate. If you find incorrect information, report it to the credit reporting agency. Take special attention paying the items that negatively impact your credit history particularly the most late payments and collections. Getting caught up and consistently paying them on time helps your credit score. Sometimes having old, but well managed, accounts on your report indicates a longer history of being responsible with credit. Lenders look for employment and residential stability. Staying at one job and one address is preferred. Credit when paid on time and managed properly, will help improve your credit.