In reality, you can’t erase the past. 在現實中，你不能抹掉過去。 Negative records that you can gather, such as bankruptcy and collection accounts will stay on your credit report for 7 up to 10 years. 負的記錄，您可以收集，如破產和收集帳戶將留在您的信用報告為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. 並沒有什麼，您可以做些什麼，但是，與一些時間和一點點的努力，您可以從您的信用卡更好地甚至在這些不良記錄的法律失效。 Here are five easy steps you can take in order to rebuild your credit while it is still in default. 這裡有五個簡單的步驟，您可以採取以重建您的信用卡，而仍然是在默認。

Step 1: Establish What The Damages Are 第1步：建立什麼賠償

The first step you must take when you rebuild your credit is to look at exactly where you are standing. 第一步你必須考慮重建時，您的信用卡是看到底你在哪裡地位。 This is a significant step to take, which is why it has been stated more than once. 這是一個重大的步驟，這就是為什麼已經指出不止一次。 Your report can vary each week, so checking it often is very necessary. 您的報告可以每星期各不相同，因此檢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. 在這裡你必須採取公正和秩序，它的所有三個您的信用報告和所有三個你的信用分數。 You can get your credit report online easily, and it will be secure. 您可以讓您的信用報告網上很容易，這將是安全的。 As a matter of fact, no matter what you think, checking your own credit data will never damage your credit scores. 事實上，不管你認為，檢查自己的信用數據絕不會損害您的信用分數。

You might want to print each report and look through it very closely. 您可能需要打印的每一份報告，並期待通過它非常密切的合作。 Highlight any negative records or errors that might be damaging to your credit score. 強調任何負面記錄或錯誤，可能會損害您的信用評分。 You will also want to ensure that you have full knowledge of what your credit report says. 你也將要確保你有充分了解你的信用報告說。 If you don’t fully understand it, how can you expect to amend it? 如果你沒有充分的理解，你怎麼能指望修改呢？

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

By law, any of the negative records that you garner must stay on your credit report for 7 up to 10 years. 根據法律規定，任何負面記錄，你必須爭取留在您的信用報告為7至10年。 The exact expiry date is going to change; depending upon the type of record that it is. 確切的終止日期都不會改變;取決於類型的記錄，這是。 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. 回報老收集的債務或履行你的破產並沒有擺脫這些記錄;許多與此相反的是大多數人相信。

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. 對於所有的負面記錄，您將會看到您的信用報告（包括判決書，留置權，撇帳，遲繳，申請破產，並收集記錄） ，你將不得不尋找和獲取知識的確切日期，他們成立屆滿從您的信用報告。 This is because you will then know when you can expect to see a major enhancement in your credit score. 這是因為，你就會知道什麼時候你可以期望看到的一個主要提高您的信用評分。

Want to know more? 想知道更多嗎？ keep reading for our next page on Erasing Credit Damage 2 繼續閱讀我們的下一個網頁上抹掉信貸損傷第2