When it comes to fixing your credit history, it's more than just about erasing things physically from the report itself. It takes a lot of work to get credit history cleaned up so that you can stop worrying about it in the future.

With a lot of hard work, patience and great planning, you can remove all sorts of things from your credit history report just by making all the right payments at all the right times. But think about what you want out of your credit history so that you can have a clean slate some day. Here are some things that should be removed from your credit history as you go about repairing it with your credit repair company.

• Foreclosure – This is comparable to bankruptcy. This is because it involves a lender who obtains legally a court-ordered termination of a mortgagor's right of redemption. This happens a lot and if you have ever mortgaged before. This is not something you want on your credit record. With the help of a reputable credit repair firm, you can work towards removing this from your credit history so that you can start applications on other loans that may be able to help you in the future.

• Bankruptcy – Although this may seem like something positive because it is a legal proceeding that allows you to get help when you cannot help yourself financially, being bankrupt is something that will land on your credit history report. So even if you are doing much better now, the report will always show that you filed for bankruptcy at one time or another. Again, cooperation from a firm that legally removes this from your credit history report will help you and your standing in future applications for a job or a loan. Work on this first if you have files for bankruptcy in the past and it should help your credit standing and chances for an approved loan to increase.

• Repossessions – Have you ever had items on your person that were repossessed because you were not able to pay for these items? Or perhaps they were taken back because they were used as collateral in a certain transaction? Records of these repossessions will reflect on your credit history report so when you are working on your credit repair this is one of the things that you should removed. Only reputable credit repair firms can help you get rid of this kind of information from your credit history report. Call your bank or a credit repair company that you trust and get information on how this is achievable.

• Collection Accounts – Merely paying off a collection account will not have it completely removed from your credit history. In fact, if you can dispute some collection accounts with the bureaus, then you can have some collection accounts removed completely from your record. Study what is written on your report and look to see if you can dispute any claims about your credit history. But if you can't dispute it then you will have to settle the debt first and then dispute it if the collection account still appears on your next report.