Your credit report may have errors without you even realizing it. Your black marks can be because of a non-payment of a bill that you never got in the first place. Whatever the cause, a bad credit report can make it difficult for you to apply for a loan for a purchase. It can even reduce your chances of finding employment.

If for some reason you have a negative error, the best option for is to get it fixed. This can be done by paying overdue bills, if any. Consider a situation that may arise when you move out of an apartment and a service provider company such as the electric company didn