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Positive score goes through the details of your Credit Report with a fine-toothed comb, verifies that the amount you owe on each account is accurate, and looks for any accounts you paid off that still show as outstanding. If something seems incorrect or you are not sure of any items, then it is your right to contact the credit agency in writing and ask them to investigate the issue and make an amendment.
Your credit score provides a snapshot of your credit status. It's determined by a variety of factors that can be broken down into the following categories:
Credit History – How long have you been using credit ?
Payment History – Do you have a history of paying on time ?
Credit Amount – How much do you make and how much do you owe ?
So, the first thing you should do is assess the damage by looking at a current credit report issued from Your Bank or Credit Bureau
Read more: Credit Repair: How to Improve Your Credit Score