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Can Credit History Be Erased?

Updated: May 3, 2023

Credit history is a record of a person's credit-related activities, such as loan payments, credit card usage, and other forms of borrowing. While credit history is an important factor that lenders use to assess a person's creditworthiness, it can be difficult to erase credit history entirely. However, there are ways to improve one's credit history and overall credit score.

A credit report overview

Here are a few ways to improve your credit history:


Dispute errors on your credit report: If you find errors on your credit report, you can dispute them with the credit reporting agencies. The agencies are required to investigate the dispute and remove any inaccurate information.


Pay bills on time: Late payments can have a negative impact on your credit history. Make sure to pay all bills on time, and if necessary, set up automatic payments to ensure timely payment.


Reduce debt: High levels of debt can hurt your credit score. Consider paying off debt, or at least paying down balances to reduce the amount of debt you have.


Use credit responsibly: Avoid maxing out credit cards or applying for new credit too frequently. Instead, use credit responsibly, and make payments on time to maintain a positive credit history.


Wait for time to pass: Negative information, such as late payments or a bankruptcy, can stay on your credit report for up to seven years. However, as time passes, the negative impact on your credit score will decrease.


In conclusion, while it is not possible to completely erase credit history, there are steps you can take to improve it. By staying on top of your credit, paying bills on time, reducing debt, and using credit responsibly, you can build and maintain a positive credit history.






Disclosure: For Change Financial only recommends products we would use ourselves. All opinions expressed here are our own. This page may contain affiliate links and we may earn a small commission, at no extra cost to you. Read our full privacy policy on our website.



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