CreditReportsSite .com, Credit Reports Info

How can i dispute my bad credit? how long does it take for a credit card debt to be taken off?

i have 3 credit cards from when i was first starting college and i was stupid and thought it was a great way to pay for everything and then BOOM, i couldnt pay the bills, they wouldnt terminate the account till it was payed. each is like $400, i also have quite a bit in medical bills does that go against you when trying to get a home? also have a student loan for 4,000 and am just starting to try and make things right with it. how can i access my credit report for free online and fix and didpute it? also it i got the credit cards fixed how much will it bring up my score?

Per the Fair Credit Reporting Act (Federal law) derogatory accounts show for 7-years from the date of first delinquency which works out to 7-years and 180-days.

The only way to get accurate information removed from your report is to get the collection company to agree to a “Pay for delete” agreement, this simply says that in return for your payment they agree to remove the accounts from your report. Never pay old debts without this agreement unless they are about to take you to court. And always get this agreement in writing before you pay them a dime.

And yes any derogatory account will go against you when trying to purchase a home.