Go to https://www.annualcreditreport.com/cra/index.jsp to request your free annual credit report just to see what information is included. You will likely be surprised at the amount of incorrect, out-dated, and poor information, including inquiries, that can adversely affect your credit score.
Many are under the misconception that old bad stuff automatically rolls off your credit reports. In most cases I have found entries eight years and older. One must be proactive in managing their credit reports, so when it becomes necessary to purchase another vehicle, or a deal for a house is simply to good to pass up, your credit report(s) won’t be your limiting factor in making the deal.
Capture your reports as a PDF file, so that should you want to meet with a credit counselor, or discuss any questions you have with me, the product can be emailed for review.