How can I remove bad credit from my report?

Instead of fixing or repairing credit, I want to remove it. I have paid other companies lots of money but the bad credit remains.

Per the Fair Credit Reporting Act (Federal law) derogatory accounts show on your credit report for 7-years from the date of first delinquency which works out to 7-years and 180-days weather you pay them or not.

Now if it’s a public record like a bankruptcy, judgment or tax lien it can show anywhere from 7-15 years.

This is why it’s called credit history.

1981 primitive Internet report on KRON

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