Get to know your credit report better. Dedicate spring cleaning time as the annual time to review your credit report, which you can get for free at www.annualcreditreport.com or by calling (877) 322-8228. A credit report contains information about your credit and loan history including amounts and payment history, and is used extensively by potential lenders to evaluate your credit worthiness. Read each report carefully as there may be discrepancies between the three credit bureaus. Also, check for negative information such as civil judgments, tax liens, or Chapter 7 and 13 bankruptcies. If you find errors, file a dispute with the credit bureau.