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You can clean bad credit on your own if you follow this guide.

If you have bad credit you may very well be turned down for that mortgage, auto loan, credit card or other credit you are thinking or trying to obtain. By planning ahead you can clean bad credit and not only get that credit you are seeking. But you will save money through lower interest and payments.

* The first portion of your credit to work on is your payments. Your payment history can do the most damage to your credit. If you are behind get caught up ASAP and keep caught up.

* Secondly pay down the balances. Begin with the more recent ones as the older ones will not affect your credit as much.

* Avoid applying for new credit, as this will drive down your score if you have recent bad credit on your report.

* Your creditors can change the report wording. Call or send letters to them asking them to do this. “Seriously Late” could be replaced with “Slow Payment” and so on. If you work with your creditors and stay in good terms with them they are more willing to work with you and help you clean bad credit.

If you follow the above steps and are persistent you can improve and clean bad credit report scores. It will take a little time but it will be well worth it in saving money on interest rates and payments in the near future. Also there are often errors on your credit report. Now let’s take a look at the actions needed to get these off of your credit report which also will clean bad credit.

* If you have any errors in your report make a copy of your report and highlight them. Send this along with a letter explaining the errors to the credit bureaus and to the creditor companies. Send these via certified or registered mail. They have forty five days to reply. If you have not received a reply in forty five days, send a letter referring to section 602,4b of the Fair Credit Reporting Act. By simply taking the time to send letters you can clean bad credit scores.

* Most are scared to write letters because they believe the creditors will have records to back their reports. But few of them keep accurate records. Most credit card companies only keep them for 13-18 months. Also with so many bank consolidations in the recent years, lots of them have failed to acquire records from their acquisitions. You have great opportunity to clean bad credit sending these letters.

* Section 611d states you are entitled for a corrected free report. If you do not receive one, send a letter.

You can add a 100 word statement to your credit file. Use this to explain any problem areas and why they occurred here. This is free and simple.

Take care of your finances, if you are going to be late on a payment, call before the payment is due, pay down your account balances and dispute any suspected error you find in the report in order for your scores to improve. It will require some time and patience, but you WILL clean bad credit and improve your scores.

Alex Nebwalz lost his job, his car, and his home; but he fought back to repair his credit and regain his life. He writes about his experience at his website cleaningupcredit.net where he discusses how to find your credit score, how to get your three credit report, get your free business credit report, fix your credit report, and clean bad credit.