Especially look for;
Late payments, charge - offs, collections or other negative items that aren't yours, Accounts listed as «
settled,» «paid derogatory,» «paid charge - off» or anything other than «current» or «paid as agreed» if you paid on time and in full, Accounts that are still listed as unpaid that were included in a bankruptcy, Negative items older than seven years (10 in the case of bankruptcy) that should have automatically
fallen off your report (you must be careful with this
last one, because sometimes scores actually go down when bad items
fall off your report.