o clean up your credit report, follow these steps: Get a free copy of your credit report from Experian, Equifax, and TransUnion. Review your reports for accuracy. Dispute any errors with the credit bureau or creditor. If you suspect identity theft, place a security freeze or fraud alert on your report. Contact creditors to close any fraudulent accounts. Pay off debt to improve your credit score over time. Remember, accurate negative information cannot be removed, but ensuring correct report information and reducing debt can boost your credit score.