If you have bad debt, the only way you can eliminate it, is to wait 7 years from the date the bad credit was reported. There is no other way. You credit (bad or good) stays on your report with all 3 credit agencies for 7 years. Bankruptcy's stay on your report for up to 10 years. References :
November 19th, 2008 | 
Author: 
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Pay off your debt.
References :
stop spending money you don't have!!!
References :
dont use it,,,and pay it off…
References :
If you have bad debt, the only way you can eliminate it, is to wait 7 years from the date the bad credit was reported. There is no other way. You credit (bad or good) stays on your report with all 3 credit agencies for 7 years. Bankruptcy's stay on your report for up to 10 years.
References :
click the link below
References :
http://www.creditease.net