Contrary to popular belief, having a large portfolio of positive credit reportings does not offset a single negative listing. This means that a small amount of negative credit reporting activity will harm your credit rating and will may, in most cases, lead to a higher interest rate. For each credit lender, they may ask you to write a specific written explanation for why the item was listed negatively.
It’s a good idea to enlist with a credit monitoring service so you can make sure that the items on your credit report or accurate and truthful.