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We work with you to review your credit reports for questionable negative items, including late payments, collections and more. Challenge and Dispute We work with your creditors and the credit bureaus to verify your questionable negative items as accurate, fair and substantiated.

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Jan 20,  · Removing Negative Items After 7 Years. Check your credit report to learn when negative items are scheduled to be deleted from your credit report. When the seven years is up, the credit bureaus should automatically delete outdated information without any action from you.