A lot of folks have some trouble spots on their credit report, but that doesn’t mean they can’t be resolved!
The best thing to do when dealing with errors is to be proactive. Contact each of the three major credit bureaus, TransUnion, Equifax, and Experian, and get copies of your credit reports. Carefully read over the reports and note any errors. In writing, contact the credit bureaus and ask that mistakes be removed or investigated.