How to Clean a Credit History

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To clean a credit history, contact each of the three major credit reporting agencies, review the credit report provided by each, and edit the inaccurate information in writing before sending the reports back. Keep on top of a credit history to maintain accuracy with advice from a registered financial consultant in this free video on money management.

Part of the Video Series: Money Management & Credit
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Video Transcript

There is a term nowadays related to how to clean your credit history and it is called credit repair in many cases and it can be done in a piece mail basis by yourself if you are able to take the steps necessary to do so. It all starts with information and that information is achieved by contacting the credit reporting agencies. There are three of them, Equifax, Experian and Transunion. When you examine the data that comes in from all those agencies and you see there is something untoward on there then you need to clean that up and the way to do that is to contact the vendor who has the malicious information on your credit report, get to the bottom of what the problem is and then solve it and then report back to the agency that it has been solved and have it then reported going forward. This is the best way to clean a credit score going forward and it does involve a lot of work on your part but the reward is having a great credit score and that is one of the most assets that an American can have. This is Patrick Munro talking about how to clean a credit score.


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