Some credit mishaps are out of your control and can cause serious damage to your credit score and creditworthiness as a borrower. Mistakes on your credit report, for example, can hurt your score. But if you check your credit regularly and monitor your report, you might be able to catch errors and fraudulent activity and report them to the credit bureaus — undoing the damage.When it comes to credit habits, those are dependent on you and your financial maturity. Habits like applying for several credit cards in a short period of time, paying late or less than the minimum on your debts, and running up balances on your credit cards are all bad habits that are up to you to correct.