A poor credit report is a cause of concern for many, especially because we run majorly on credit cards and loans these days.
A good start is to understand what ends up in a bad credit score. It can be credit card over-dues, late payments, defaults and delay in payments of EMIs.
To get a better understanding of negatives impacting your score, you need to check the score first. Being ahead of things that might have affected your score can help you fix it quicker.