How to clear credit?

Credit report improves with the regular and timely payment history. Go through your file and find out all the accounts that are in defaults. Get the list of all your creditors and make payment arrangements with them. You can also call for some professional help to take care of your accounts. Like you wish, the counselor will combine everything under one payment plan and keep paying your creditors. You will have to draw only one check for your payments to multiple debts. Take a look at the benefits of the consolidation program. This will be a good way to start up the clean up process under professional guidance. For once, look in the do it yourself. It will help a lot.