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past due accounts
hi....i have had a perfect credit card account record for over 40 years.....within the past 4-5 years, i have had 2 blemishes occur due to a mortgage account i shared with another person....she was late on a couple of payments, but by my name being on it, it showed up as a negative on my credit report....the only other problem was a citicard account that i had paid off asked that it be closed.......they tried to charge me a few months later for an annual fee which i did not pay and they threatened to send the record to a collection agency....finally, i got them to realize they were sending me a bill for a closed account, but not until it registered as a negative on my credit there any way i can get this info removed and reinstate my credit record back to the sterling way it was before?....thanks for any help you can provide.

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