does anyone know how to clear up bad credit on your credit report?

Answer 1

pay it off or if they are not yours, you can access your report then dispute them.

Answer 2

Well, if you have bad credit there really is only two ways to make it better. 1= Depending on how much it is you can declare Bankruptcy. This will lower your credit score for a good long time. I think something like 10 years, but you're given a clean slate and in the ten years you can rely on a co-signer for a credit card or loan to help build your score back up. 2= Consolidate your credit. Now, I know that a lot of places CLAIM they can consolidate your credit, but be careful. A lot of people are out for one thing. Your money. So I would suggest talking with an attorney and seeing if maybe he would know any good reputable companies to help consolidate your bills. When done right this can be a very helpful thing. In most states, however, you will have to have tried to do consolidation BEFORE claiming bankruptcy. Only in the event that the consolidation doesn't work will your Bankruptcy case be valid.

Answer 3

The first thing is to get copies of your credit reports and look for errors. Your history from two years ago is not as revelant as your current track record so keep your bills current. Pay more than the minimums. Don't cancel credit cards but reduce the balances. Time will raise your credit scores. Make it a goal for the new year to pay a set percentage of all debts and not charge any more. It's one thing to charge a new transmission for a car that you don't have cash for but another to pay jeans and go out to dinner. Your credit report didn't get trashed overnight so it won't clear up overnight either.

Answer 4

Pay your bills on time. This establishes GOOD credit. That's the only way to wipe out the bad---after a while your credit report will look much better.

Answer 5

Regardless of what others might tell you they can do, the only ways to clear things from your credit report is 1: TIME , and although they NEVER truely come off, they are looked at less unfavorably by raters 2: if it is an incorrect entry then dispute it and contact the originator of the error with proof of error, and ask that it to be removed.

Answer 6

If the information is valid, only time will drop it off of your credit report.

If the information is incorrect, send a letter to the credit reporting agency and challenge the incorrect information. They have a short period of time to verify the information -- usually 30 days -- and must delete it if it can't be verified. If it can be verified they will advise you of that.

Answer 7

First things first: there are no quick fixes. It takes just one mistake to ruin your credit, and a long time to get it back. You will want to become very familiar with the FCRA and FDCPA, and with terms like "debt validation" and "cease and desist". Debt validation is your main tool in your arsenal, so learn it well. Most collection agencies cannot prove the debts they have, so you'll want to challenge anything on your report by writing them directly. Paying old debts won't make things better, so bring anything current up to date.

Answer 8

send of for a credit report, they cost about £2.00 this will tell you who and why you are black listed. If you have payed up then you can have them taken off the list the rest you need to pay to clear the dept. also pay on time.

Answer 9

credit goes bad if you don't make your monthly payments. Start making payments on the things that are bad.

Answer 10

make an effort to pay the bad debt off...can't hurt