what is the best way to clear up negative credit
Removing any inaccurate information on your profile, and consistently paying your bills on time… Doing these two things go a long way to improving your credit…
In addition, having two credit cards (with balances no more than a 1/3 of your credit line), an auto loan and a mortgage if possible, to show variation in lenders…
If you are asking for techniques on how to remove legitimate items, like charge-offs, judgements, late-pays, etc… there are sites that discuss how you can do this, but if it is legitimate, it will be harder to remove, and can take anywhere from 60-180 days to make any headway… you can visit sites like…
In the interim, pay your bills on time, establish credit (even if you have to start with secured credit cards) while you are attempting to remove the other stuff, as the length of time you have credit also boosts your score…
Another thing to remember is that the credit bureaus have no idea if you are late on a payment. They know if you are 30 days late. So never let a bill go 30 days late. Before it goes 30 days you will probably receive a double bill. Most people look at that large bill and try to figure out how to pay it. WRONG. Immediately go out and pay the past due amount. Then figure out how to pay the rest. Don’t wait for it to go 30 days.
Put all your bills on automatic pay for the minimum. That way they will never go late. You can always go on and pay more, but you will not have one that you forget.