How Can I Get My Old Bad Credit Removed?

Question:

Dear Steve,

Years ago I had a car accident and was out of work and got in trouble with all my creditors. My credit since I got healthy has been excellent but I am haunted by stuff that is 7-12 years old on my credit report

My credit report is loaded with old debt 7+ years and many 10+ years. How can i get these removed?

Gene

Answer:

Dear Gene,

Past delinquent accounts will fall off after 7 years. So it sounds like anything older than that on your credit report was some sort of public record or legal action.

Issues that old should not impact your credit. What hurts it more is the lack of new credit use. Please read How to Easily Rebuild Your Credit and Have Good Credit Again.

Steve Rhode Debt Coach and Author

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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