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https://www.cnbc.com/select/how-to-clean-up-your-credit-report/
1. Request your credit reports - 2. Review your credit reports - 3. Dispute credit report errors - 4. Pay off any debts.

https://www.youtube.com/watch?v=j0C0OTL0uqc
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https://www.bankrate.com/personal-finance/credit/how-to-clean-up-a-credit-report/
Negotiate a settlement: You can try to settle debts for less than the full amount owed to get the accounts closed. - Pay the debt: If you can, ...




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