http://www.creditcardschose.com - Bad credit erases in 7 years, but? Three questions... One: Bad credit erases in 7 years, but that's only if you completely pay off the debt correct? Two: If I pay off a debt that has shown on my credit it will eventually show as paid on my credit report, but since that was originally bad credit it will not erase off of my report for 7 years? Three: If I pay off my debts is there really a legal way to erase the bad credit like I see advertised "We Can Completely Erase Your Bad Credit..."??