Last week i just closed on a new house.  At the closing I was signing a bunch of papers and it was taking forever. At one point I looked down and I saw my credit report. The guy assisting me with the paper work said i wasn’t really supposed to see it;however it was getting late and he just didn’t care.  In fact at the end of signing all the paperwork he explained to me in detail what certain things meant on my report. He also explained how I could get some of them removed. He was so incredibly helpful.  Next time I apply for credit I will probably clean it up a little before I apply.