In credit repair scams, the fraudster promises to erase or doctor an applicant's credit history, but there is no way to erase bad credit.

• A. False
• B. True
• C. It is illegal to erase credit in all cases
• D. There are legitimate methods to erase bad credit

Answer: (B)

When you look at credit history, it records actual past borrowing and how it was repaid. For legitimate items, there isn’t a process to erase bad credit. In scams, the promise to wipe or doctor a report sounds enticing but is false and illegal; only items that are inaccurate can be removed through disputes, and accurate negative information generally stays for years and then ages off. You can improve your credit over time by paying on time, reducing debt, and building positive history, but you can’t simply erase a legitimate bad credit record. That’s why the statement is true.