Sometimes in life, you may face unexpected circumstances like being broke or paying your medical insurance bills etc.
Taking into consideration these situations, you may be unable to pay any bill and that could show as a negative mark on your credit score report.
Erasing these negative remarks would help you delete a bad credit.
Request a copy of your credit report from the credit bureau.
The FACTA allows you to ask for one free credit report in a year from three major financial bureaus Equifax, Experian and Transunion.
You may request it from their website or via phone.
This will help you to keep a check on your credit report from time to time.
The most common way of deleting a bad credit is to file a dispute with the three major credit bureaus, Equifax, Experian, and Transunion.
These credit bureaus take around 30 working days to investigate your dispute and upgrade your financial score report.
In case, the creditors do not respond to the credit bureaus inquiry then credit bureaus would automatically delete the negative item from your credit score report.
Each item on it must be justifiable or it will be erased from the report.
If the credit bureau cannot verify your item after investigation, then it will be deleted from your credit report.
Another way to delete a bad credit is by filing an online dispute.
This online form will allow you to specify which items you are actually disputing with the reason.
The minimum time that any remark would stay on your credit report is 7 years.
Therefore you need to claim for any item that you think should be removed from your financial report.
This is your legal right to file a dispute against the charges that you think should not appear on your credit report.
If you don't wish to write a dispute letter yourself, then you may also take the services of a professional law firm to do it for you.