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Just dispute everything negative. You can say you were not late on each reported late payment or that you paid each account. The creditor has to be able to provide the credit report agency with the information that says you didn't pay. Sometimes the card companies won't even have all that info anymore (especially if your account is closed). Some stuff is bound to come off. If you still owe on some accounts then offer to pay them in full if they will remove the negative info from your report.

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Q: Credit help i need someone to help me clean my report up?
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How can someone monitor their credit report?

One can monitor their own credit report online. Websites like Equifax, Experian, and Transunion offer a free credit report once a year for users to help monitor their credit report.


Where can someone get a free credit card report?

One can get a free credit card report by going to your local bank and requesting one. A dedicated agent will help you prepare your finances for the credit report.


What can clean credit report services do to help your credit?

They can help other companies know you have a history of good credit, helping you get better deals on insurance and stuff. Basically it saves you money.


What can you do to help clean up debts on your credit report?

Besides paying your debts off or filing bankruptcy if you are unable to pay off these debts there is nothing you can really do to clear them from your credit report. Most debts stay on your credit report for seven years.


Where do you report someone for using your credit card?

You can go to the credit card company if you need evidence, they can help you track the charges. Then you go to the police.


How can credit reference agencies help?

Credit reference agencies can help you identify any mistakes that appear on your credit report. By checking your credit report for free once a year you can notify credit agencies of any errors on your credit report and have them resolved before it effects your credit score.


Where is it possible to order a free credit report?

There are different places on the internet where you can order a free credit report, and also representatives and professionals that can help you acquire a free credit report.


Where can one find information on a credit report?

To find information on a credit report, you can go online and asks websites like Equifax or Consumer Products to help you with your credit report troubles.


What are three tips that can help improve the credit score of someone with poor credit history?

The best three tips is to close out credit cards with a paid balance, make payments on time, and try not to have too many lines of credit reflect on the credit report.


What are some free ways to clean up your credit?

Answer: If you check your credit report, you can challenge anything that seems to be incorrect. That's the ONLY way to "clean up your credit" for real. Answer: There are plenty of non-profit agencies available to help you get out of dept. Avoid paying anyone to do this for you. Basically, they will help you find a way to optimize your debt repayment so that you can rebuild your credit. There is really no other way that works to eliminate bad debt.


Where can you find a transunion credit report?

To get a TransUnion credit report you can go directly to their website and fill out an application for a report. You can also find many companies that will help you get your credit report from all 3 major credit agencies for a small fee. Most even have a free trial!


How does one request a free credit report from Equifax?

One can request a free credit report from Equifax by going to their website and selecting free credit report. A dedicated agent will help you set up your account.