Simple mistakes are easily corrected by writing to the reporting company, pointing out the error, and providing proof of the mistake. You can also request to have your own comments added to explain problems. For example, if you made a payment late due to illness, explain that for the record. Lenders are usually understanding about legitimate problems.
Ice that may have formed over the winter in gutters can cause the gutter to pull away from the house as well as break seals in gutter joints and downspout connections. Loose or clogged gutters can allow rain to run over your fascia board, into your eaves, and ultimately into your house. Loose gutters can also allow rain to collect near your foundation causing your basement to leak. Gutter cleaning, inspections and repairs generally require using an extension ladder which can present a potentially dangerous situation. It is recommended that this task be performed by your local licensed handyman or gutter service.