Is there a way to erase things off your credit history?

Question

I have bad credit. I owed credit card companies a lot of money but I have since paid every penny back. I wanted to know if I could get it erased off my record since it has all be paid back and if so how. Do I have to get it "expunged" like criminals get their criminal records "expunged"?

Answer 1

Most companies will not take off the account from your credit report. Normally they fall off after seven years. However, you can make sure that they are in fact reporting that the accounts have since been paid in full witch will help your score out a bit.

Answer 2

No. History is history. Go on with your life.