| Erasing bad credit from your credit report is very | | | | charge-offs that have been on your report for more |
| possible, especially with the help of some new laws | | | | than seven years. These are all items that are required |
| that were put into place to govern how credit bureaus | | | | to come off and a simple challenge letter listing these |
| deal with different items that are reported on your | | | | items and the problems should do the trick. |
| credit. | | | | Once you have finished with these you can move on |
| The first step you want to take after you have | | | | to the items that are a little harder which would include |
| obtained a copy of your three credit reports from | | | | recent collection accounts and charge-offs. These are |
| Equifax, Tranusnion and Experian is to look for items | | | | the items that could be removed with a dispute IF the |
| that need to be erased. You might find some that are | | | | creditor cannot provide proof of the debt being |
| complete errors on your credit report, others that are | | | | legitimate, you would be challenging them based on |
| duplicates of the same account as well as negatives | | | | their accuracy. |
| that you do own. All of these can be erased if you | | | | Thousands of people have had success with this |
| follow the proper steps when dealing with the bureaus. | | | | method and if that does not work you can always |
| The first thing you want to do is to dispute those items | | | | settle with the creditor for less than the original amount |
| that are easy to have deleted which include errors on | | | | in exchange for a deletion from your credit report. |
| your report, duplicate accounts, collections or | | | | |