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whats going on youtube do you have negative items you need to remove from your credit report like charge offs late payments or collections in this video im going to show you how stay tuned let me start off by saying everybodys credit situation is different and results will vary but if you follow these steps youll be on your way to a credit score in the 700s and getting that loan you need approved with single-digit apr first thing you need to do is to check your credit report to see exactly what you need to clear up and while credit karma and credit sesame are okay they dont always tell the whole story theyre not always 100 accurate so youre gonna want to go to annualcreditreport.com all right so you have your credit report pulled up youve identified negative items you want to remove now youre going to look for inaccuracies in those accounts if you dont know what to look for youre gonna look for things such as incorrect balance and correct payment history payment terms are in