How do I erase bad credit off of credit history?
The Federal Trade Commission is a federal bureau that protects the consumer from fraudulent or unfair business practices prohibited under the Fair Credit Reporting Act. The act also outlines your rights as a consumer to initiate an investigation into a negative report on your credit report if you feel the report is in error. You have the right to demand the item be removed unless the credit reporting agency can prove its accuracy. The reporting agency has a reasonable time frame–usually 30 days–to verify the information or remove it from your credit report.Dispute Negative InformationObtain a free copy of your most recent credit report. Each credit reporting agency is required to provide the consumer with a free report every 12 months. You can use agencies such as the Free Credit Report website to obtain a copy. Most credit report sites have a simple form you can fill out to dispute negative information. The burden of proof is on the creditor, not the consumer; if the agency cannot v
