How to Wipe Your Credit History Clean

1. How to Wipe Your Credit History Clean – Fast and Free Everyone has at least a few things on their credit report that they may not necessarily be proud of. But these negative marks do not have to remain on your report. There are some quick, easy strategies you can follow to wipe your credit clean and instantly boost your score as much as 100 points. By removing the negative items on your file, you’ll increase your credit rating, which is a good thing for many reasons. Beyond helping you get approved for loans, your score is important because it is reviewed by employers, landlords, and even your auto insurance rate is determined by your score. In addition, credit card companies will not only determine how much your rates are, but how high your spending limits are. The first step to quickly remove the negative items that are hurting your personal credit rating is to pull all three of your credit reports and review them carefully. Three out of four credit reports contain errors that don’t belong there, and identifying these mistakes can allow you to instantly increase your score. There may be something as minor as a misspelling in your address or previous employer, but you want to specifically look for accounts in collection that don’t belong to you, credit cards that are listed as late that you closed years ago, and other

2. delinquencies that are just not true. By law, these mistakes must be removed and your credit score will increase. However, because each of your reports list different items, it is critical to review all three files closely.