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Web4 steps you can take now to help you clean up your credit report 1. Request your credit reports. The first step in cleaning up your credit reports is to know where you stand. You should... 2. Review your credit reports. Once you pull your credit reports, comb through … WebOct 21, 2024 · Clean up your credit reports every year. Use the Annual Credit Report Request Service to access your report and dispute errors and out-of-date data to boost your score. Credit reports have errors; yours may, too. Keep balances below 30 percent of your credit limits. High credit balances mean lower scores. Pay your bills on time. It’s … WebTo clean up your credit report, you have to dispute the information with the credit reporting company. Write a dispute letter requesting that the information be removed or corrected. Explain what you think is wrong and why, and attach supporting documents. Clearly identify each mistake if there's more than one. newberg boat accident