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credit you do want to make sure that you have a good clean credit profile before we even talk about disputing your credit account you need to make sure your credit profile looks good your name how many names do you have on your credit profile do you have multiple is your names messed up are they correct are they incorrect you need to be looking at that information across all the consumer reporting agencies get your free credit report at annualcreditreport.com and all the negative items on your credit report are removed you want to make sure that your personal information is accurate so make sure your name your address is everything is accurate delete anything thatamp;#39;s old or thatamp;#39;s inaccurate so thatamp;#39;s the first thing when it comes to cleaning up your credit report