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How to Clean Your Credit Report and Have a Better Credit Score

By Brian Anderson
Published: Wednesday, March 31st, 2010

A lot of people in today’s world are dependent on credit. Having a clean credit report and a good credit score advice are vital steps to be granted one. However, there are instances when we suffer from a credit that is less than perfect. It could happen at an inopportune time when you badly want to acquire something thru credit and it’s just so difficult to secure it.

Information provided in your credit report maybe incomplete or inaccurate. While you can not totally correct such inaccuracies, it is with in your right as consumers to get a reinvestigation of your report. Credit bureaus must be able to verify all items that appear on the report. This spells a lot to a given consumer. It’s the best way to stay on top of something as critical as one’s financial name. Cleaning your credit report can be done thru following some credit score advice and procedures on how to do it:

1. Get you latest credit report

This is probably the simplest part of what you need to do to start cleaning up your credit. There are many people offering credit score advice; some of them offer it for free while others ask for a fee.

2. Analyze your credit report

  • Check for incomplete information
  • Watch out for inaccuracies
  • Find out why you’ve been denied or granted credit
  • Find out who has been looking at your credit history lately
  • Watch out for strange accounts or addresses
  • Go through your payment history
  • Check on your outstanding debt
  • What are the types of debt you currently have?
  • Are the information provided/ reflected in your report true and correct?

Review and analyze your credit report carefully. Help protect yourself from possible credit fraud.

3. Communicate with the bureaus where you obtained your credit report; a good credit score advice is to keep a log/record

Credit bureaus aren’t always accommodating and warm when you talk to them. They won’t make much money out of helping you. They make money when they report to lenders. Documenting your report is vital when you’re trying to clean up your credit report. Obtaining a paper trail could be a good idea.

  • Photocopy letters and checks
  • When on a phone conversation, get the name of the person you spoke with, his/her position, what you discussed and date and time you talked
  • Mail things via certified or registered mail. It serves as a proof that your communication has been received and credit bureaus are expected or respond within a reasonable time frame.

4. Have a plan of action

After analyzing your credit score advice and going though your credit report, you already have a clearer picture of the things that can potentially be harmful to your score.

The reports generated by the credit bureaus may differ from each other. Asking for a reinvestigation takes time and effort. However, this is one important procedure that can bring you to the next level.

It is necessary to take note of the areas which you think made your score lower. Focus on these items and make sure not to commit the same errors. Your credit score could just be a three digit number, but this number can be important. It measures your creditworthiness. Start cleaning your credit report and have a better credit score.

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