Everyone makes some credit mistakes sooner or later - it is very rare for someone to go through their entire lives without at least a few dings on their credit risk record. Don't beat yourself up over your mistakes - even if they are large ones. Instead, learn from your mistakes by analyzing them. Think of your credit mistakes as clues which can help you in the future to avoid the same problems:

-Do you develop credit problems because you overspend while shopping?
-Are you so disorganized that you forget to pay bills?
-Are your bills simply too large for your current income?
-Do you routinely get overcharged for things and fail to notice until much later?

Knowing what your mistakes are and finding solutions to the problems can go a long way towards helping you develop a good credit risk rating.