Follow up with all three agencies about your disputes in most cases you have to wait for the credit agencies to resolve all outstanding disputes before you can file any new ones 2 pay down balances your credit report should also give you some clues about other things you can improve like paying down outstanding balances. Repairing bad credit yourself review your credit reports for negative information thats inaccurate initiate a dispute of inaccuracies or errors consider having someone you know with a strong credit history add you to one of their credit cards as an authorized user research credit builder loans . You the consumer can erase bad credit by disputing records on your own provided you know the protocol over time with the practice of responsible money management you can further repair your credit rating by law the credit bureaus must provide adequate proof of their records or remove disputed items. Now theres a number of ways to erase bad credit on your credit reports and legally the most powerful and common tool to improve credit is the credit dispute process this is your consumer right protected by the fair credit reporting act fcra