In reality, you can’t erase the past. 在现实中，你不能抹掉过去。 Negative records that you can gather, such as bankruptcy and collection accounts will stay on your credit report for 7 up to 10 years. 负的记录，您可以收集，如破产和收集帐户将留在您的信用报告为7至10年。 And there is nothing that you can do about it, nevertheless; with some time and a little bit of effort, you can make your credit better even before these bad records legally expire. 并没有什么，您可以做些什么，但是，与一些时间和一点点的努力，您可以从您的信用卡更好地甚至在这些不良记录的法律失效。 Here are five easy steps you can take in order to rebuild your credit while it is still in default. 这里有五个简单的步骤，您可以采取以重建您的信用卡，而仍然是在默认。

Step 1: Establish What The Damages Are 第1步：建立什么赔偿

The first step you must take when you rebuild your credit is to look at exactly where you are standing. 第一步你必须考虑重建时，您的信用卡是看到底你在哪里地位。 This is a significant step to take, which is why it has been stated more than once. 这是一个重大的步骤，这就是为什么已经指出不止一次。 Your report can vary each week, so checking it often is very necessary. 您的报告可以每星期各不相同，因此检查它往往是十分必要的。 Here is where you have to just take it and order all three of your credit reports and all three of your credit scores. 在这里你必须采取公正和秩序，它的所有三个您的信用报告和所有三个你的信用分数。 You can get your credit report online easily, and it will be secure. 您可以让您的信用报告网上很容易，这将是安全的。 As a matter of fact, no matter what you think, checking your own credit data will never damage your credit scores. 事实上，不管你认为，检查自己的信用数据绝不会损害您的信用分数。

You might want to print each report and look through it very closely. 您可能需要打印的每一份报告，并期待通过它非常密切的合作。 Highlight any negative records or errors that might be damaging to your credit score. 强调任何负面记录或错误，可能会损害您的信用评分。 You will also want to ensure that you have full knowledge of what your credit report says. 你也将要确保你有充分了解你的信用报告说。 If you don’t fully understand it, how can you expect to amend it? 如果你没有充分的理解，你怎么能指望修改呢？

Step 2: Check For the Expiry Dates 第2步：检查到期日期

By law, any of the negative records that you garner must stay on your credit report for 7 up to 10 years. 根据法律规定，任何负面记录，你必须争取留在您的信用报告为7至10年。 The exact expiry date is going to change; depending upon the type of record that it is. 确切的终止日期都不会改变;取决于类型的记录，这是。 Paying off an old collection debt or discharging your bankruptcy doesn’t get rid of these records; much to the contrary of what most people believe. 回报老收集的债务或履行你的破产并没有摆脱这些记录;许多与此相反的是大多数人相信。

For all the negative records that you will see on your credit report (including judgments, liens, charge-offs, late payments, bankruptcy filings, and collection records), you will have to look up and gain knowledge of the exact date that they are set to expire from your credit report. 对于所有的负面记录，您将会看到您的信用报告（包括判决书，留置权，撇帐，迟缴，申请破产，并收集记录） ，你将不得不寻找和获取知识的确切日期，他们成立届满从您的信用报告。 This is because you will then know when you can expect to see a major enhancement in your credit score. 这是因为，你就会知道什么时候你可以期望看到的一个主要提高您的信用评分。

Want to know more? 想知道更多吗？ keep reading for our next page on Erasing Credit Damage 2 继续阅读我们的下一个网页上抹掉信贷损伤第2