If you have negative accounts hurting your credit score and need to have them deleted or adjusted to a positive standing, here is the secret...
Do not be afraid to challenge the information by initiating a investigation with either the credit bureaus or the creditors. Many times,
individuals do not understand that they have the right to dispute the information on their credit report and never get started with the process.
The secret is that there is no secret or magical credit repair templates that will just get any item deleted as soon as you send it in.
Some accounts will be removed or corrected fairly easily and others will require more persistence and effort to resolve.
Always start your disputes with the credit bureaus and once you receive a response you can, if you choose, follow up with the original creditor.
Remember not to get derailed by the responses you receive because any and all information can be changed.