If recent events have made your credit report less than stellar, work on improving it. Review the damage by obtaining a free copy of your credit report from www.annualcreditreport.com. Look for what’s doing you the most harm, things such as accounts that have gone into collections, or old credit card bills that you’ve forgotten about. Create a plan to begin repaying these debts, even if it’s a small amount each month. A past-due bill that has been paid is less damaging than a past-due bill that remains unpaid. Further, recent activity has a stronger influence on your credit score than things that happened in the past, so taking positive steps now will likely result in an improved score down the road.