Credit Clean Up Guide – How to Get Rid of Bad Credit Quickly Using A Few Simple Steps

April 3, 2012 by  Filed under: Credit 

Having bad or poor credit can make your life miserable. It can prevent you from getting a loan, insurance, or even apartments as rental companies look at credit rating. Your credit record may even hinder your ability to get a job. Most businesses would not want to hire a person who is financially unstable, and potentially irresponsible

Having a bad credit record will make things hard. But with the right knowledge and some discipline, you can clean up bad credit and repair your bad credit, and that is what this article is all about.

To begin the process, find out what information is contained in your report. Contact Equifax, TransUnion and Experian to obtain your report. The law allows you to obtain a free copy of your credit report each year from each of these agencies. Once you have the report, examine it to see what it contains. Review all sections of the report and write down any errors or damaging entries you’d like to dispute. Next, send a letter of dispute to the agency concerned stating why you’re disputing the information. Credit reporting agencies are obligated to look into the matter and if the item cannot be verified, then they must remove it from your record. Follow this process in removing all negative items that you believe should not be on your report.

After removing all the damaging entries you need to rebuild your record by adding positive accounts to your file. There are several ways you can do this. You can obtain a secured credit card and make payments in a timely manner. Another proven method is to take out a bank loan secured by deposit you make at a bank. Pay back the loan according to the terms of the loan. Before you use the secured credit card or bank loan method, make sure that the lender reports to all three major credit bureaus. You won’t benefit in any way if they don’t record your good payment history on your credit report.

Obviously, attempting credit repair without the right guidance is not a good idea. That’s where a good credit repair guide comes in. There are many resources available on the Internet on how to fix bad credit. The most popular ones are in form of step by step instructional guides that walk you through the whole process from start to finish. Before you choose a credit repair ebook or guide, make sure that it provides you with sample credit repair letters that you can adapt to your own situation. Letters for credit repair must be properly written in order to get the response you want. Also make sure the guidebook is written by someone who is knowledgeable about credit laws and how to apply them to get the best results.

Do you want to learn exactly how to get rid of bad credit record, using a proven credit clean up guide and build an excellent credit rating that you can be proud of? Then go to

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