Question:

Does anyone know how to clean up your own credit report ? How?

by | earlier

0 LIKES Like UnLike

Tags:

Report

Answer The Question I've Same Question Too

Follow Question

21 ANSWERS

Sort By: Date | Rating

Pay on time, and then be patient. Time heals all wounds.
Report (0) (0) | earlier
Review it.

Challenge and/or correct any incorrect information.

However, you can't remove facutual information. Only time will do that.
Report (0) (0) | earlier
you can't get rid of things that actually happened even if you pay them off - if you let a credit card go to collections, or get a car repo'd, it will be on your credit history for 7 yrs - no way around it
Report (0) (0) | earlier
1)  Get  your   free  annual  credit  report  from

https://www.annualcreditreport.com/cra/i...

2)   review  and  contest  any  erroneous  info   like  when  a  cellular  company   has  given  some  ID  crook  a  cell  phone   under  your  SSN and  the  bill  has  been  run  up  to  a  bazillion  dollars  and  never  paid .  .  .

3)  get   any  delinquent  accounts  current .

4)  pay  down  debt  to  less  than  25%   of  available  credit .  (  lowest  possible  %   the  best )

Good  Luck

fyi :   for  repos ,  collections  and  judgements ,  you  just  have  to  wait  7  years  for  the  info  to  fall  off .

>
Report (0) (0) |   earlier
pay off the debt as quickly as possible..or at least pay consistent for a long time
Report (0) (0) | earlier
Depending on what you need done...you can contact the credit bureaus and have certain items removed. Go to Bankrate.com or msn.com and search through the databases for more help.

Good luck!
Report (0) (0) | earlier
Anna is correct however there are other ways. You can go see a credit repair specialist. For a fee, they can attempt to fix your report by utilizing loopholes in the law to try and have them taken off. It is not easy, and there are no guarantees it will work, but absent of waiting 7-10 years, it is your best shot.

I would only use someone that is personally referred or has references.
Report (0) (0) | earlier
Keep in mind the credit report records how timely you pay your bills.

So, getting creditors paid off and start paying your other bills like utility bills and rent/mortgage on time or early. This will do a lot to help your credit out.

Review your report to make sure you have no outstanding debts and to make sure everything on there is YOUR doing and not a mistake.

If you have a dispute then, dispute it.

Simply getting out of debt can also do a lot towards raising your credit score.

Remember the saying, people who understand intrest earn it...people who don't pay it.
Report (0) (0) | earlier
Well I see only two people here have the slightest clue what they are talking about.

Bart and Lara are correct. There are many ways to clean up your credit report (yes, even legitimate items) and both Creditinfocenter.com and CreditBoards.com have excellent information you can use.
Report (0) (0) | earlier
Pay off all of your bills and wait 8 years.
Report (0) (0) | earlier
the only way to do this is to get a repair company do do it for you but be carefull because there is a lot of scam artists out there charging you per file my cousin started using this company 6 months ago and has just bought his first house and he had really bad credit before they charge a Flat fee and do all the work for you i believe its a 12 month program of credit restoration and credit information to help you keep your credit score as high as possible. good luck http://www.vrtechmarketinggroup.com/afig...
Report (0) (0) | earlier
Find out who you owe and pay them off one by one.
Report (0) (0) | earlier
Wait 7 years and start over.
Report (0) (0) | earlier
Don't pay off all your credit commitments in one go, but keep them paid on time, by keeping a few on the go is better than having none,it shows creditors that you can manage your finances, having no credit all will show nothing.. in time this will build up your rating..
Report (0) (0) | earlier
Pay off your outstanding bills and they will drop off immediately unless it is a foreclosure then you have to wait 7 years..
Report (0) (0) | earlier
THE premier website to answer your question is www.creditboards.com. Spend some time reading the high traffic forums and you'll learn a ton about credit and raising your score.
Report (0) (0) | earlier
creditsecretsbible.com

I just brought it and they give you good tips on how to get the credit breaus to remove items from your credit
Report (0) (0) | earlier
Dispute everything on your credit report!

That means with all 3 agencies. They have 30 days to verify these items or they have to be removed. Worst case scenario, it they do verify, you may at least have some of the late pays dropped...that will boost your credit score.

The best way to dispute is to send a certified letter to each debtor and use the pre-drafted letters from this website:

http://www.creditinfocenter.com/forms/

Always include the debt recovery # or acct number on the letter!

There is a thing such as the Fair Debt reporting Act...you should read up on this also and know your rights when you dispute!!!!!!!

You may have to send follow up letters to the debtor or credit bureau to have the items that are not validated dropped.

Good luck!!!
Report (0) (0) | earlier
You can order all 3 of your credit reports at the same time from any of the on line credit bureaus. Scan the reports over and then you can dispute any items on line as well, usually from the same place that you received the credit report from. They have 30 days to respond to you so save all your documentation. If they don't respond within 30 days they by law have to remove the item. You can also visit www.ftc.com to get even more self help. Also start by paying off the smaller items and working up. Your scores will go down briefly, but in the end they will go up faster. Hope that helps!
Report (0) (0) | earlier
Pull your credit report first. Then go over it. See if there's anything on there that you can dispute. If not just work on paying one or two things off at a time.
Report (0) (0) | earlier
Start contacting the businesses on your report that have bad marks against you and dispute them or pay them off if you know you owe money. I've had 2 friends in the last year that significantly raised their credit scores by doing this (both were preparing to buy houses, and ended up doing so before the end of '07).

The credit report company you are viewing your report through, should have a process for disputing items on the report. You can take care of much of it right there online.
Report (0) (0) | earlier