By law, you're entitled to get a free report each from Equifax, Experian, and TransUnion once a year. Some websites offer to give you the document without cost but only if you sign up for paid financial services. To get your report without obligation, visit AnnualCreditReport.com. After answering a few questions to verify your identity, you can download your report immediately.
Check that everything on it is correct especially the names of merchants, amounts you owe, transactions, payment terms, and payment histories. If you find any accounts or charges you don't remember opening or making, then you may be the victim of fraud. Whatever problems you discover, report them immediately to the merchant and reporting credit bureau. They are legally obligated to fix any problems.
Bankruptcies, foreclosures, and late and missed payments raise warning signs for lenders, who may use these issues to deny you the loan or make terms more stringent. You can't do anything about these listing, if they're correct. But you can come up with explanations for them when lenders ask about them.