If you have bad credit, you’ve probably heard the company line about how bad credit remains on your credit for at least 7 years.
No exceptions.
You surely are aware of people who refuse to wait 7 years for the information to “fall off”. Instead, they get proactive and delete information before the 7 years has expired.
Are you breaking the law by removing bad credit if you admit that the account may technically be accurate?
Are you sacrificing your ethics by disputing accounts you know belong to you?
Bad credit is NOT black and white. It is really a massive heap of gray area. You may be surprised to learn that you don’t have to wait 7 years to dispute and remove bad credit.
Learn more about how to legally dispute bad credit here.