 TITLE: What Does It Mean to Clean Up Your Credit? CONTENT: The Bottom Line\n---------------\nWhile errors in credit reports are uncommon, one of your first steps in cleaning up your credit should be to verify everything in your credit report is accurate. But there are many other ways you can work to generate good credit.\nTake steps to protect your personal information to reduce the risk of identity theft. Also, since the most important factor affecting your credit scores is payment history, automate your bills so you don't miss them. Nearly as important is your credit utilization, or the amount of debt you have relative to your total credit limit. It should be as close to zero as possible, but experts suggest using no more than 30% of your available credit at any time, and no more than 6% for the best scores.\nOnce you've disputed any errors you come across, put into practice smart credit-building strategies. You'll feel confident knowing you're doing what you can to keep your credit report secure. END