If you've racked up a lot of debt, missed payments, or madelate payments, there's no way to erase this information on yourcredit report. Any late payment can stay on your report for upto seven years, even if you've completely paid off the creditor.What you can do is take stock of your money matters and startworking to pay off all your debts. If you start keeping detailedfinancial records and paying off all your debts on time now,your credit rating should be golden in a few years.
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If you've racked up a lot of debt, missed payments, or madelate payments, there's no way to erase this information on yourcredit report. Any late payment can stay on your report for upto seven years, even if you've completely paid off the creditor.What you can do is take stock of your money matters and startworking to pay off all your debts. If you start keeping detailedfinancial records and paying off all your debts on time now,your credit rating should be golden in a few years.