There are so many things that can keep you from having good credit such as not paying your bills, Inaccurate information or dates, balances or amounts or old accounts that should have been deleted and have not been deleted yet. The Credit Reporting Agencies such as TransUnion, Equifax, Experian may delete inaccurate information or accounts or late payment(s) off one report but keep it on another and it's the same thing as far as your Personal information. If your personal information is wrong such as your name and or addresses, then it may lower your score(s). A Couple things to remember.