How Do I Erase Bad Credit From My Credit Report?
Erasing bad credit from your credit report is very possible, especially with the help of some new laws that were put into place to govern how credit bureaus deal with different items that are reported on your credit. The first step you want to take after you have obtained a copy of your three credit reports from Equifax, Tranusnion and Experian is to look for items that need to be erased. You might find some that are complete errors on your credit report, others that are duplicates of the same account as well as negatives that you do own. All of these can be erased if you follow the proper steps when dealing with the bureaus. The first thing you want to do is to dispute those items that are easy to have deleted which include errors on your report, duplicate accounts, collections or charge-offs that have been on your report for more than seven years. These are all items that are required to come off and a simple challenge letter listing these items and the problems should do the trick.
