Your credit history will matter in your application for a mortgage. It pays to check it regularly – use annualcreditreport.com – and address errors and issues.
Basic factual errors can usually be remedied by writing to the credit bureau; explain the mistake and provide clear evidence that it is an error.
If an issue isn’t an error, and an explanation would help, you may request to have your own remarks attached. For example, if you missed a payment because of an accident, add that to the record.
In the long run — and in the mortgage — the better your credit history, the better your mortgage terms are likely to be.