You cannot remove negative items from your credit report before 7 years. If you believe any of the negative information is accurate, you can and should dispute it directly with the credit bureaus.
The best way to combat the impact of negative information on your credit report is to maintain good credit habits. The impact of any negative information decreases over time, and even the impact of a bankruptcy can be mitigated if you make payments on time, don’t carry a lot of debt, and showcase that you are a responsible borrower.
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