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lauraferr

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how can I clean my credit report myself without paying someone

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You read everything that you can about the subject and you can ask any specific questions here and I will try to help you. Start reading!!

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Only you can do the things needed to clean up your credit report, and it is going to take time and a bit of effort.  No quick fixes here.  Do not even consider hiring someone to do the work for you because too many of those companies have shady records.  They'll take your money and nothing gets fixed.  If you haven't read the articles on this site (look on the left side of this page) please do so.  Also look up Dave Ramsey and read his advice on clearing debts.  He's pretty smart.  Some things on your credit report will eventually drop off after a period of time and others will have to be corrected or negotiated (this means'snail mail') so that you can get results.   

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