You can improve credit report scores yourself. It will take time and persistence. This article has some insight on how you can clean bad credit on your own.

How do I get my credit report?

To improve credit report scores you need to start by obtaining your credit report.

1. Go to the AnualCreditReport website.

2. Call (877) 322-8228.

3. Fill out the PDF form at the FTC site and mail this form to: Annul Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348.

To improve credit report scores you need to look at the following areas.

1. Payment History. This is the most important to improve credit reports. The most detrimental are late payments. Be pro-active on delinquent accounts. A lot of companies will work with you. Most are willing to allow late payments without extra charges to assist in getting your account caught up. If too far behind, you can talk to a credit counselor. Only use a non profit counselor.

2. Total amount owed is also important. If your credit limits are maxed, this will drop your credit. Pay your balances down to improve credit reports.

3. The length of your credit history. Only time will help credit histories less then three years. Manage finances wisely and do not open a lot of new accounts.

4. The types of credit you are using. A balance of both credit cards and installment loans can help your credit report if the credit cards are used wisely.

5. Looking for a new loan? Before allowing your credit report to be pulled, do your shopping up front. Inquiries can hurt your credit report but if they are within a short time period the damage will be minimal.

Your main focus should be on the first two. If you focus on these and keep the others intact you will improve credit report scores.

You can improve credit report scores by monitoring your payment history, reducing the amounts you owe, properly spreading out the types of credit you are using and avoiding new credit. Make your payments on time, be proactive on delinquent accounts, contact a counselor if needed, pay down balances, and avoid new accounts, especially if you have credit problems in the past. Improve credit report scores, it can be done.

After losing his job, having his car repossessed, and his home, Alex Nebwalz didn\’t give up. He fought hard to regain his life and his credit. Now, after 2 1/2 years he has repositioned himself and talks about it at his blogcleaningupcredit.netwhere he writes about how you can improve credit report, get mortgage loans for bad credit, the poor credit auto loan and how to clear bad credit.