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shap3333

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how to remove negaitve items

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Depends

Depends on a variety of factors. Are they paid or outstanding? How old are they? 

If they are paid and still showing as owed you can file a dispute to have them corrected and provide proof of payment, sometimes this will update and then remove them, sometimes they'll just update them to show paid/closed, 50/50. If they are unpaid and you are unsure of what the debt is for you can dispute them, if the creditor fails to respond with proof of validity in 31 days, they will be removed, but if they prove debt is valid, it will hold. If they are unpaid, you owe them, and they are less than 7 years old there isn't much you can do (outside of paying them off). 

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