Remove Bad Credit in 3 Easy Steps And Improve Your Credit Score

Remove Bad Credit

Can you remove bad credit from your credit report? Well yes and no is the answer. In some cases you can remove bad credit from your report, in others it will have to stay on there until the passage of time removes it.

Get a copy of your credit report (you’re entitled to a free one every year) and look for all the “negative” entries on it. Then proceed with the following steps.

Remove Bad Credit Step #1

You have the right to remove bad credit items from your credit report and it is up to the credit reporting agency to verify these items otherwise it has to be removed.

So your best bet would be to write to the credit reporting agency and dispute the negative items you found on your report.

The credit agency then has to make contact with the original source of the debt to verify that it actually did occur. It’s a good idea to start with the older entries on the report, as these may be harder for them to verify.

They have around 30 days to verify the item and get back to the credit agencies and if they can’t verify it within the time frame, the credit reporting agency has to remove the negative item off your credit report.

You are well within your rights to do this and your credit score will go up with every negative item that is removed.

Remove Bad Credit Step #2

If you have a major negative item on there like a judgment or bankruptcy, that is easily able to be verified, then the only way that item can be removed is with time.

However you can start taking steps now to improve your credit so with the passage of time, when those major negative items have been removed, you will be the proud owner of a good credit report.

A good start to improving your credit report is pretty obvious – start paying your bills on time.

If you are never late for a payment that will improve your credit score remarkably as 35% of your credit score is based on your payment history.

Remove Bad Credit Step #3

Make sure to stay aware of what is listed on your credit report. You can get a copy of your credit report every year for free so make it a yearly habit to get your copy and check it over for any errors or negative items that you may wish to dispute.

By keeping a close eye on your credit report, and removing those inaccuracies and negative items off it, you can enjoy a higher credit score and all the advantages that come with it.