Are There Mistakes In Your Credit History?
Like the guy in the vignette says, simple mistakes in your credit history are easily corrected by writing to the reporting company, pointing out the error and providing proof of the mistake(s).
You can also request to have your own comments added to explain problems. For example, if you made a payment late due to illness, explain that for the record.
Keeping your credit score accurate is in your best interest and it can help lower home buying costs.