If there's one thing that will bring down a credit score, it's errors on a credit report. Many people fail to realize how much small unnoticed errors actually affect their FICO scoring. The truth is that many many reports contain simple, hardly noticeable errors that will drag down your score like a rock. The important thing is knowing that they are there and also knowing how to get rid of them.
If you have not already, you will want to grab a copy of your credit report. You can do this for free online. These reports contain information from the three credit reporting agencies that make up your score. These include Experian, Equifax, and Trans Union. These are the companies that make or break it for you in regards to your credit. Luckily, they are easy to work with if you discover any mistakes.
You will want to go over your report and look for anything that does not look accurate. Most of the time, you will already know for the most part what is on there. If you see something you do not recognize, it's your time to have it disputed for accuracy so that if it's incorrect or misreported you can have it taken off in as little as one months time.
Having these errors removed are invaluable when it comes to your credit scoring. I've had old cell phone errors rejected and removed raising my score from a low 600 to over 700 in just over 30 days. It's really remarkable what you can do with a little bit of research!