Excellent! You stopped by to read this short article. First let me introduce myself. My birth name is Choice; unusual I know. I've always been just a regular person. I'm from a small town in Alabama. I'm here to show you a real life way to clean up credit.

You are going to get a lot of valuable information from me in a way you can understand and act upon. I'm not a credit repair specialist or attorney. I won't talk over your head to try and impress you. It's time to get the truth about how to clean up credit in everyday language.

Be kind to me because this is my very first article. Thank you, thank you very much. At the end of all this you will have learned way more than you need to know in order to improve your credit and raise your credit score.

Anyway let's talk about credit bureaus and what they're all about. Basically they're all about money. The fact that they have ruined lives, marriages and families doesn't seem to carry much weight. They are just big business, plain and simple.

You see the way it works is that most everybody you do business with reports your payment history (good or bad), to the credit bureaus. The credit bureaus charge them a fee to put your information on their files. The credit bureaus just accept what they say about you without any investigation at all, because they're getting paid.

All this information the credit bureaus compile on you is put into a credit report. It shows how you pay your bills, if you are in bankruptcy, any law suits or tax liens, and so forth and so on.

In a sense they tell your life's story, which much of the time the information isn't 100% true. But that doesn't seem to matter to them because it's all about the money they make reporting on you.

The credit bureaus sell your information to creditors, insurers, employers, and more people than you can imagine. Those people then use it to evaluate you for credit, insurance, employment or renting a home…you name it.

How many times have you heard that only time can clean up credit? That there is nothing you can do about your bad credit report? I tell you, you can do something about it. I did and that is the TRUTH.

You see if there is any inaccuracy in the way they report on you, then you have a case. They have to be 100% correct on all levels. Did you know that? There is the Fair Credit Reporting Act that protects you against the credit bureaus.

So as we go forward in these articles we're going to credit war to clean up credit for you. The very first thing we'll do is show you how to get your free credit report and then stop those phone calls from harassing you.

You're going to love that; no more harassing phone calls from collection agencies. Oh what a relief it is.

Stay tuned… Choice Harris