How do I delete negative history and other information from your Credit Report?


Deleting negative history on a Credit Report, if inaccurate, is possible.

The Fair Credit Reporting Act (FCRA) protects you against credit abuse that might result from an unfair summary of your credit history. The FCRA grants you certain rights as a credit consumer. These basic rights are the key to eliminating negative marks in your Credit Report and to reestablishing good credit. Your rights as a credit consumer include:

  • The accuracy of your Credit Report can be challenged.
  • The Credit Reporting agencies must verify any information challenged. Any person or company - whether a legitimate creditor or not - can include negative information on your Credit Report without your consent or knowledge - and without the need to first prove it is true.
  • Any information that cannot be verified must promptly be deleted from the Credit Reporting agency files.
  • If the original creditor verifies the information within the time limit, the negative marks must remain in your file. While you cannot erase bad Credit Reports if the information is verified, there are steps you can take to improve your credit history and score.