How do you get bad credit ratings off of your report that have been on it for over 15 years?

I thought that after 7 or 10 years the creditors legally had to remove the negative credit rating and stop harrassing me.

Public Comments

1. There are factors that need to be taken into consideration. Has it been 15 years since you last paid, or since the debt was obtained? If it has been, contact each of the credit bureaus and put in a dispute. www. equifax.com www.transunion.com www.experian.com Next, re creditors harrassing you. Please use the link below. It outlines the statute of limitations for debt by state. It also tells you how to deal with the creditors. http://www.bcsalliance.com/y_debt_sol.html Hope this answers your questions.