6 credit report score killers
Judgments, liens, bankruptcies
It is hoped that you would know if you've had any major financial difficulties that involved judgments, liens, or bankruptcies. However, if someone else is using -- and trashing -- your financial identity, a notation on your credit report could be your first clue.
When you get that report, scan the "public records" section, said Michelle Dosher, managing editor for consumer publications for the Credit Union National Association. "If there are any liens or bankruptcies, it's a good way to check."