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 I got my totally free credit report, flipped out, paid bills, asked for credit help. 

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 People see the ads and you get emails all the tie about erasing or cleaning your credit fast and guaranteed.

 Do not be fooled by the claims as it is illegal to erase or clean real and true bad credit from your credit report. If the account is in error or if it is not yours or possibly out of date, then the account can be easily disputed for free by yourself.

 Just use this credit dispute from to erase errors on your credit report now. Print the form. Fill in the account information and you personal identifying information. Include a copy of your credit report and mail the forms certified delivery mail to the three bureaus.

 Under the Fair Credit Reporting Act, you can question an item in your credit file and your complaint must be investigated. However, the negative information will be removed only if an investigation determines it’s incorrect. A credit repair company, no matters what it claims, cannot compel the credit bureau to remove negative information from your file, if that information is accurate

 7 Credit mistakes

 Asking a creditor to lower your credit limits. This will reduce that all-important gap between your balances and your available credit, which could hurt your score. If a lender asks you to close an account or get a limit lowered as a condition for getting a loan, you might have to do it -- but don't do so without being asked.

 Making a late payment. The irony here is that a late or missed payment will hurt a good score more than a bad one, dropping a 700-plus score by 100 points or more. If you've already got a string of negative items on your credit report, one more won't have a big impact, but it's still something you want to avoid if you're trying to improve your score.

 Consolidating your accounts. Applying for a new account can ding your score. So, too, can transferring balances from a high-limit card to a lower-limit one, or concentrating all or most of your credit-card balances onto a single card. In general, it's better to have smaller balances on a few cards than a big balance on one.
 
 Applying for new credit if you've already got plenty. On the other hand, applying for and getting an installment loan can help your score if you don't have any installment accounts, or you're trying to recover from a credit disaster like bankruptcy.

Here is a link to the FTC website about erasing your bad credit.

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