Clean Bad Credit - You Can Clean Up Your Credit Using These Simple Steps

Are you looking for information on how to clean up your credit

? If you have negative items on your record, you can take steps to erase them. You don't have to live with bad credit or pay a ton of money to have it fixed. You can learn to clean bad credit yourself.

In today's society, you are greatly limited if you have bad credit. You may not know it, but many companies may require you to have a glowing record before they even consider you for any kind of position with them. So a bad credit record can affect your ability to create the life you want.

Most people think that they need to hire a professional to repair their credit. While a professional can help in bringing your credit back to good standing it is quite possible to repair your credit on your own.

The first thing you need to do is get a copy of your credit report. This way you are familiar with what the report contains. You can obtain a free copy of your report one time a year, and you can also request one at no charge if you are denied credit because of information contained in the report. Otherwise, a credit bureau may charge you a fee for the report.

Once you've received the report, review it carefully. Write down any incorrect or inaccurate information you find. If there are mistakes on your report, the law allows you to have them corrected immediately. So if you find errors or anything you do not agree with, immediately notify the credit bureaus in writing and tell them to correct it.

Keep in mind that bad credit, unless cleaned up, can remain in your file for up to 10 years. By law the credit bureaus must investigate errors within a "reasonable period of time" and correct any errors that are found.

If the credit bureaus were able to verify any disputed item as correct, it would remain in your credit file. So you would need to dispute it with the creditor who reported the information.

You can learn how to clean up bad credit, repair your past credit problems, including charge-offs, collections, late payments, and improve your rating.

There are many credit repair guides available that can show you how to get rid of bad credit and restore your good record. I'd suggest you learn more about how you can eliminate negative items on your report and rebuild a good record.

by: Conleth Onu

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