A bad credit history is definitely a thorn in the side of many people around the globe. But the good news is that there are some methods you can use when erasing bad credit must be done.

Stop Spending With Credit Cards

Many people got into trouble because they took on to much credit card debt and started to miss payments. You can not continue doing this type of activity and expecting your credit scores and credit to improve.

Bottom line is that if you have to much debt you need to find a way to pay it down faster.

Fix Your Bad Credit Report With Credit Repair

Most credit reports have information on them that is false and this false information if negative will drag your score down.

The good news is that this information is very easy to get removed with a simple credit dispute letter sent to the credit bureaus.

But why stop at false information, by law you can dispute anything on your report. This means that if you have some older negative accounts you may want to dispute those as well.

If the original credit issuer cannot provide the bureaus with proof of the account then it will come off your report. This can have a huge positive impact on your fico score.

Just keep in mind if you have multiple negative accounts that you should dispute them slowly over time and not all at once. If you do dispute them all at once chances are the credit bureaus may get suspicious and send you a frivolous dispute letter.

This basically means that they think you are trying to get negative factual information removed and they will be ignoring your requests.

To learn more about Self Credit Repair log onto http://www.diycredithelper.com and see how to increase your credit score over 100 points in 30 days!