1. Ask the creditor to remove it: Creditors and other furnishers who report information also have the power to correct or withdraw it. This is sometimes referred to as "re-aging" the account. You can ask creditors to stop reporting something that is accurate but negative because of extenuating circumstances, and sometimes they will agree. For example, if you have always paid your credit card bill on time but then accidentally missed a payment when you were in the hospital or traveling, your issuer may be willing to stop reporting the slip-up. Or you might be able to persuade a medical provider who failed to properly bill you to pull an account back from collections. Keep in mind that creditors and collection agencies aren't supposed to remove negative items just because you agree to pay them. So you'll want to have a persuasive argument as to why they should work with you. In addition to asking the company that furnished information to the credit reporting agency to make an exception for you, you also have the right under the Fair Credit Reporting Act to dispute an item directly with that furnisher. Simply send them a letter (with proof of delivery) using the contact information found on your credit report. Generally they have 30 days to investigate and get back to you, or the information must be removed. Link in here for more details!