If you do have bad credit and are looking for a quick fix at how to immediately erase bad credit history and start fresh and new, then you are out of luck. Credit can be improved and repaired, although it will require effort that is well worth it in the end.
The first thing you will notice when searching online on how to erase bad credit is the massive number of advertisements and false claims. These all claim to be able to completely erase your credit legally and give you a brand new credit identity, and fresh start. They boast that their service is free,fast, easy to use etc. As appealing as these ads may look to someone with bad or damaged credit, you should definitely look the other way and not waste your time on such ‘services’. You must first understand that it is literally impossible to just erase your credit and start fresh. There are also many illegal scams or methods that act as if they quickly go about erasing bad credit but which are just ways to part you from yet more of your precious money. These are even more crucial to as avoid, as you could both waste your time, and end up in jail.
Now that you know there is no easy fix, it is time to repair the problem. The most commonly used legal method for fixing your credit quickly, is taking up your credit issue with the credit bureau that handles your credit. In short, your end goal is to find false or faulty information in your credit report, then submit this to the credit bureau which will from there check your information, and possibly grant you an increase in credit.
In order for this to happen you must first do immense research on your credit file. After you have your file, you should check thoroughly through it for all possible negative pointers that decrease your credit. After you discover these negative pointers you should then do research on them based on your past purchases and anything regarding these negative pointers. This will require some effort. Your goal is to find a flaw or unfair decrease in credit based on what you find. Many times there will be no negative pointers that were appointed by the bureau. This is something that you must understand beginning your research, as there are no guaranteed results to this. But if results or flaws are found and approved by the credit agencies, there can be a significant increase in your credit rating.
Assuming you do find a negative point bringing down your credit that you can prove faulty, the next step is to contact the credit agencies with this information. You should do some reading on the specifications for proving faulty reports on the agencies websites as well to see what specific information is required. Basically, you simply send in your credit file, as well as all proof and information regarding what you believe to be one of their mistakes. After this information is sent in you will have a waiting time of usually 30 days for each agency. 30 days is the time limit they are given to research and get back to you on your findings. Assuming you did find a legitimate error, you will be contacted by the agencies with either brief instructions on how to follow up, or simply information stating your credit file has been modified, and therefore credit improved.
This is the easiest and only way to simply boost your credit in a short period of time legally. If no mistakes were made on your file then you will have to make credit improvements gradually. This means making purchases which payments are consistently delivered on time. But often times using the method above is the only legal and quick way to erase bad credit free of significant worry, although it does require significant effort.