The quick answer is that most derogatory items remain on your credit report for up to seven years. Your score will improve over time if you do nothing, and will improve in a year or two if you pay your other accounts on time and reduce your credit utilization.
There are three major credit bureaus that offer credit reports, if there is something that you want added or removed, you should contact them directly:
| Equifax | Experian | TransUnion |
|---|---|---|
| 800-685-1111 | 888-397-3742 | 800-916-8800 |
| Equifax.com | Experian.com | TransUnion.com |
| File a credit dispute online at Equifax | File a credit dispute online at Experian | File a credit dispute online at TransUnion |
To get a hold of your credit report, contact one of these three bureaus. Each bureau interprets your credit information differently, so you might want to get a report from all three.
For more information, please visit the Bills.com credit report resource and the credit score resource pages.
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