1.There is no guaranteed outcome; if there is any guarantee related to repairing of credit repair, you are walking into a credit repair scam.

2.There is no quick-fix outcome; if anyone tries to convince you that this process can be fast-forwarded, beware! He or she will be promoting some type of illegal ploy.

3.You cannot change your SSN number, nor can you have get a “new credit report.” If the agency offers you a “new identity” or “new lease on life” beware! … this is highly improper and illegal.

4.You should not, and cannot, dispute everything negative entery on your credit report. If this is the process the credit repair agency plans to use to improve your score, that agency is among hundreds of credit repair scams that prey on the market of gullible people.

There are many ways to fix credit problems, but the answer to “how to clean a credit report quickly” is a little difficult to find. This is because it’s not possible to fast-forward the process of righting a credit score. You can put it on the right track, but you cannot wipe out a past of bad financial habits in a matter of a few weeks.

In order to understand what it takes to improve your credit score, you need to understand how this is recorded. The three major credit bureaus that keep the scores give you marks for the amount of credit you have to your name, the way you use this credit, how much debt you create and lastly, how you repay those debts. This is done on a monthly basis. This is why changes are slow to show on your reports.

Basically there are two things you must do to clean up your credit report:

1. Check your credit report for inaccuracies. There’s a good chance that inaccurate information is adversely affecting your credit.

 2. Start to adopt healthy financial habits today!

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 -         check carefully your credit reports for inaccurate entries
-         dispute all such entries and request that these be removed
-         improve your credit:income:debt ratio by reducing your debts
-         start saving
-         pay off all your credit card bills as quickly as possible (beginning with those having the highest debt to credit limit ratio), but do not close the accounts. The credit amount will help your score
-         re-negotiate terms with your creditors wherever possible
-         transfer your high interest debts to financial institutions/ banks offering better terms wherever possible
-         keep a watchful eye on your credit reports (get one free every quarter from Experian, Equifax and TransUnion)
-         give it at least 6 months before you see a marked improvement in your credit score

 A clear credit record is possible only when negative remarks have been entered erroneously and such a fact can be proved. Otherwise, you need to work your way to a better score.

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