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So, if your credit score is not to your liking, you may be wondering if you can wipe your credit history clean. Although you can't wipe it clean, you can utilize best practices to help build better credit going forward and maybe even earn a higher credit score over time.

How Do I Remove Negative Items From My Credit Report? Dispute erroneous items on your credit reports by doing the work yourself. Hire a credit repair service to dispute inaccurate items on your behalf. Send a goodwill request. Send a pay for removal request. Wait for items to age off your reports.

No, legally changing your name has no effect on your credit score and it doesn't impact on a partner's credit score either.

No matter what you do with your name, the debt remains. In fact, you can be charged with fraud if you changed your name to avoid debts. It was your debt before you changed your name, and will follow you along with your new one.

If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.

The good news is that you don't need to contact each of the three major credit bureaus – Experian™, Equifax® and TransUnion® – to update your personal information, including a name change. All you need to do is contact your lenders, your state's DMV and the Social Security Administration.

Consequences to Changing Your Name There can be professional consequences that can be problematic. For instance, all of your bank accounts and credit cards will need to be updated, as well as your driver's license and passport, which means you'll have a lot of paperwork to fill out.