Is it possible to remove accurate, negative information from my credit report?
You generally cannot remove negative information from your credit report if it is accurate. You can, however, dispute accurate information if it appears multiple times or if the negative information arose from fraud or identity theft. Most negative information will remain in your report for seven years. Some types of information remain longer.
You can dispute inaccurate information. Credit reporting agencies must fix mistakes, usually within 30 days, at no cost to you.