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You may be one of those people that are asking the question, “How do I clean up my credit report”? This can be a difficult task if you do not know where to go for help. Some places offer you a quick fix at a high price, which takes them a long time to do. If you want to save yourself some time, and money you can request your own three credit score reports, from all three major credit-reporting agencies. If you choose to take the challenge, and clean up your own credit report, you can, but know that it is a tiresome process. It involves a lot of letter writing to the three major credit-reporting agencies and to the companies that may be involved. If you decide to take on this task these are some of the steps you need to take.

First, you will need to obtain copies of your three credit score reports. This can be done by notifying them by letter. You might be able to also request the same reports online. If you are not sure about which method is best for you: you can call the three major credit bureaus, and place an inquiry. You will need to keep proof of all correspondence so writing might be better.

Second, you need to compare information from all three agencies for accuracy. However, they might be not containing the same information, this is not unusual. You can post a remark on the letter stating, “I want to clean up my credit report”. Credit agencies are there to assist you in this process, as well, and to keep up to date and accurate information on file.

Thirdly, you are entitled for free all three-credit reports every year. There is a law that allows everyone to receive once a year a free copy of their credit report. There may be instances that you will have to pay for your three credit score reports after you receive your free copies.

The three major credit-reporting agencies that you need to contact are, Trans Union, Equifax, and Experian. These three agencies are responsible for reporting your credit scores and maintaining your credit profile. Your three credit score reports are accessible to anyone who wishes to extend you credit. When you apply for credit, you can supply your own for free all three-credit reports or pay to have the creditor request them.