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You can improve credit report scores yourself. It will take time and persistence. This article has some insight on how you can clean bad credit on your own.

How do I get my credit report?

In order to improve credit report scores you need to know what is on your credit report. Equifax, TransUnion and Experian are each required to supply a credit report for free each year. There are three ways to do this:

1. The Annual Report Credit website is an approved site for requesting your report.

2. Call (877) 322-8228 to get your report by phone.

3. Fill out the PDF form at the FTC site and mail this form to: Annul Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348.

There are 5 areas you need to look at to improve credit report scores.

1. Your Payment History is the most critical to improve credit report scores. Late payments can be detrimental. Make payments on time. For delinquent accounts it is best to be pro-active. Most companies will work with you to make payment arrangements and reduce late payment reports. If too serious, you may want to contact a legitimate, non profit credit counselor. Avoid the quick fix scam artists.

2. Debit to Credit Limit. This is also very important if you want to improve credit report scores. If this is too high, it will lower your credit report. Make your payments on time and pay down all balances.

3. Credit histories less then three years. Time is the only thing that will help, and taking care of your credit.

4. The types of credit you are using. A balance of both credit cards and installment loans can help your credit report if the credit cards are used wisely.

5. New credit. Multiple credit inquiries in a short time can hurt your credit score. Checking your own score will not lower your score.

The first two are the most important in improving credit scores. Concentrate on these while still maintaining the others to best improve credit reports.

To improve credit reports check the credit history, pay on time, pay off balances, spread out the types and do not open more accounts. On late accounts call and work with creditors, if required get a counselor. You can improve credit reports.

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.

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Tags: Credit Info, improve credit report

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