You need to clear up your credit report and make yourself look credit-worthy before applying for a major loan. Your lender will check out your credit history and your personal background before approving money for you to buy large items such as a vehicle, home or any major expensive item. People have given thousands of dollars to attorneys, credit clinics and other professionals who claim that they can clear up the credit record. You can work on your own credit record and achieve the same results without spending such a large amount of money.

The first thing that you need to do is check your credit history through the three reporting credit bureaus finding out if there are any unusual reports against you. You can get all three credit reports online free or pay a nominal fee. You then have access to all the information that has been gathered about you and your credit history. The three credit bureaus usually have about the same credit scores and history which makes it easy for you to track any reports.

You are entitled to one free credit report a year or if you have been turned down for credit within the past sixty days then you are entitled to a free credit report. Check the information and make sure that it is all correct. You should verify such information as:

• Your name is correctly spelled and listed fully without any errors.

• Your social security number should be correct.

• Your address where you now reside and you’re past addresses should all be correct.

• Your birth date and year of your marriage if married should be correct.

• Make sure that all information concerning your spouse is correct and up to date.

• Check all bills listed making sure that either you or your wife made the debt.

• Check out your pay history making sure that it is correct. If you find that one of your lenders has made an error in reporting your pay history then you should write a letter to them asking for an update correction and make sure a copy of your letter goes on file at all three reporting agencies.

• After you have cleared up any errors and got letters of correction where they apply then you should work to clear up your credit score. You can take out small secured loans or obtain a secured credit card making your payments in a timely manner. This will help in building a good credit report.

When you have achieved all these things then your credit score should be higher giving you a better interest rate and the possibility of applying and receiving a loan for a larger item.