How do you report bad credit to the credit bureau?

Your business would have to become a client/contributing member of the credit bureaus.

The FCRA says the SOL for debts or negs on your report can only remain for 7 years

7 to 11 years depending on debt to earning ratio

You can do it yourself, either call the credit bureaus and dispute it or have them send your credit reports and it should be a section where you can send a written dispute and wait 45 days for the...

This article has links at the bottom for to dispute a credit error for each of the 3 credit agencies. http://www.ehow.com/how_2250756_contact-credit-reporting-agencies-online.html