What is best way to clean up credit

Pay all your bills on time. Pay off some credit cards so that you have less total debt.

That's such a broad question...can you be a little more specific about what kinds of credit problems you have, and what your goals are credit-wise?

There is a full article with step by step guide to repair your credit on Irvine mortgage site. It's a non-profit site with no strings attached. basically. 1. you get a copy of your credit report 2. send a letter via usps certified mail to the credit agencies stating the errors on your report 3. wait. 4. start some new secure loans at local banks. 5. make payments on them. 6. wait a few months. Watch your credit score rise.

1. Sign up for automatic bill payment. Generally, you won’t be penalized for being a few days late on a bill, but if you’re 30 or more days overdue, your score can drop by as much as 100 points. Avoid late payments by automating the process.

2. Watch the timing of your spending. If you’re planning to apply for a loan in the next few months, which means a lender is going to check your score, keep a lid on spending and try to reduce your debt. The lower the balance, including any current credit-card payments pending, the better your credit rating.

3. Limit credit-card applications. Each time you apply for credit, a lender’s inquiry to view your report is noted, which can reduce your score. But don’t be afraid to shop around for a mortgage. Multiple lender inquiries made in a short period for the same type of loan count as one inquiry.

4. Think twice before canceling cards. The more companies you owe money to, the worse it looks for you. But if you close accounts to boost your score, you’ll end up making things worse. That’s because you gain points if you’re tapping only a small percentage of the total credit available on all your credit cards. Eliminating accounts can reduce that ratio. Also, if you bail out of older credit cards, you will reduce the average account age, which makes up a good portion of your credit score.

5. Make sure credit limits are posted. When creditors don’t report your available credit, as some retailers and credit-card companies do, Fair Isaac’s system might assume that those cards are maxed out no matter how much you’ve borrowed--and your score can be slashed by as many as 50 points. So ask lenders to report your credit limit if it’s missing on any accounts.

http://www.MyCreditEdit.com

Here are a few ways how you can improve your credit rating.
1)Make Payments on Time~If you want to build and maintain your credit rating, pay your bills on time and don't miss any payments. If you have missed payments in the past, get back on track. Your recent payment history counts more than ancient history.
2)Pay Off Your Debt~Don't transfer it all to a credit card and then transfer it from card to card to card. If you just move around your debt you're not doing anything to pay it down. And even though all your debt might be on your credit card, your credit is still in danger. Financial experts recommend keeping your account balances less than 50% of your available credit. It shows that you have the ability to pay back your debt.
3)Establish Credit History~Your credit rating is established partially on your credit history. Your credit history is based on the information that your creditors have reported to credit bureaus, including credit cards, loans, and even some utility bills. 
4)Don't Apply for or Take on Too Many Credit Cards~Having and using a credit card wisely can be beneficial to your credit rating. However, if you're constantly applying for new credit cards, it can hurt your rating, especially if you're getting turned down for them.
Source: http://www.bills.com/credit-score/

The first matter that you should do if you want to repair your credit score is to get a copy of your credit report. You are able to get your credit report and score through your bank or other financial organization, and you are able to also order it yourself online and get it in the mail or through e-mail. This is a significant step because if you would like to repair your credit score you’re going to need to know what you’re up against.  http://ratenerd.com/credit-repair-–-where-to-start-84

The best way to clean up your credit score is to stopping charging things on credit and make payments on time. After awhile, your credit score will slowly get better.