Have you looked at your credit report lately? Many people never check their credit report until they are turned down for a loan and are wondering why, with what they thought was their perfect credit, they were disapproved. You need to check your credit reports from the "big three" credit reporting agencies at lease once a year in order to make sure that a) all of the information is correct, b) you have not become a victim of identity theft, and c) if there is accurate but derogatory information about your credit, you can take steps to clean it up. You can request your free reports at https://www.annualcreditreport.com/cra/index.jsp. Don't fall for the other commercialized "free credit reports" which actually come with some strings (and charges) attached.