How can I erase bad credit from my credit reports?

They tend to hide behind stolen photographs, normally of attractive professional models. The fraudsters will usually claim to be from the USA or the UK (if English) and other Western Europe countries for other languages. The scammers claim to be going abroad or are already working abroad (mainly Nigeria) on some short-term project. Mostly, they will claim to be engineers, IT professionals, pilots, models or any other glamorous or high flying career. They use highly scripted profiles on the dating sites that are designed to be very smooth and alluring . It does not matter if the dating site is an 'exclusive' one that tries to keep out 'undesirables' by charging a high fee because the scammers will pay for membership using a stolen credit card. Should they spot a desperate sounding or naive profile, the scammers will create a 'tailor-made' profile designed to target that unsuspecting victim in particular. They seek to quickly establish contact and rapport and move their victims away from the moderated forums and chat rooms so that they can 'work' the victims. This goes progressively from email, instant messaging, telephone calls and finally web cam (especially important to verify that the victim is real). Bearing in mind that the photos that they posted are not really theirs, they will never reveal themselves on web cam and usually blame this on the dilapidated state of the internet in West Africa.