Ken and Daria Dolan, America's First Family of Personal Finance, answer your money questions every Friday.

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We have always recommended that you check your credit report annually and be on the lookout for bad marks that could drag your credit score down. If you do find negative reports, don't freak out and don't get scammed by those credit companies offering a quick fix either.

Here's the right way to remove any blemishes from your report and keep it that way for years to come.

Dear Ken and Daria,

I have several negative marks on my credit report, but I am working hard to raise my score. What can I do to remove those bad marks?

-Matthew

Did you check your annual credit report and not like what you found? Ken and Daria show you how simple steps can effectively raise your credit score on Dolans.com.