How do i clean up my credit report??

Question

How do i clean up my credit report. I have paid balances on it and non paid. No one has sent me any bills Im not sure what i owe out.
Is there a service a can contact to help me with this?

Answer 1

Contact a credit reporting agency. You usually get one free credit report each year, I think. You should pay off any past due outstanding balances, and close any accounts that you don't use. Pay your bills on time, that is the biggest piece of advice.

Answer 2

1st of all, do not close out your credit cards! The only way to clean it up, is to do exactly that--clean it up. Any service will only charge you a fee for what you can do for free & pretty easily on your own.

1. Get your credit report from all 3 agencies for free at www.annualcreditreport.com and if you want, you can pay like $6 to each to get the score.

2. see what is out there & take care of it. I dont understand why they have not contacted you if you owe them money. Maybe you moved & they dont have a new address or something. But, call them & have them send you a bill for what you owe. If you think you dont owe it for whatever reason, tell them & have them prove you owe it.

A financial advisor cant do squat for your credit! They can only tell you how to invest.

Answer 3

Here's a link I have found to be helpful with sample letters for creditors and useful advise. If you are not sure who you owe or how much, I would start by getting your credit report. It will lists your debts, how much is left to pay, and contact info for those companies.

Answer 4

1. go to www.annualcreditreport.com
2. pull all 3 bureaus
3. pay all derog credit
4. dispute the items (on every bureau)
5. cross your fingers sometimes it comes off

Answer 5

I think you should see a financial advisor, he or she should be able to assist you.