Here is some useful information regarding how to clean up a credit report thereby increasing your credit score. There are many companies offering services to clean up a credit report for a large fee. But most will do nothing more than you can do for yourself to clean up a credit report.

The process of trying to clean up a credit report takes time and patience. Some companies claim to be able to clean up a credit report and improve your credit score immediately.

This is almost impossible and any company who guarantees they have the ability to instantly clean up a credit report should be looked into very carefully.

Here are some tips on how to clean up a credit report and also maintain a good credit score:

1. Minimize credit inquiries
2. Pay bills promptly
3. Pay off revolving credit cards monthly
4. Leave cleared credit accounts open
5. Switch to credit cards with lower rates
6. Ensure your oldest credit account is in the credit report.
7. Do not hold more than two major bank cards

If you have negative points on your credit report due to errors, then you should get them removed to help clean up a credit report effectively. The removal of just one or two errors could clean up a credit report dramatically. You don’t have to pay a fortune to have errors removed either.

The one great advantage of the current credit report system is that the consumer can demand verification of any entry on their credit report.

To help to clean up a credit report, there are a number of other points that need to be considered, but identity theft is one of the major issues. Always keep an eye on the credit report as identity theft can make it hard to clean up a credit report. Make a point to get your free credit report so that you can be aware of possible identity theft at the earliest stage.

It is also essential to try and keep your financial affairs in order; obviously if they are in a mess then it is going to be much harder to begin to clean up a credit report as you need documented evidence to dispute entries in your credit report.

Once you have begun the process to clean up a credit report it is important to be patient and persistent. Not all issues will be resolved overnight, but it will be worth it in the end.