How To Clear Credit History and Legally Remove Bad Credit
The only items you can force off of your credit report are those that are inaccurate and incomplete,” says McClelland. “Anything else will be at the discretion of the creditor or collector.”
In some cases, negative credit report items can be removed by talking to your creditors. These items may include one-time missed payments and collection accounts. You can also remove credit report errors by filing disputes with the three major credit bureaus.