Credit monitoring services charge various fees. No one can legally remove accurate information from a credit report. The only remedy for negative information on a credit report is time. Accurate negative credit information is removed from your credit report seven years from the time it first appears. In the case of bankruptcy, the information may remain on your credit report for up to 10 years.
Positive information remains indefinitely.
In time, the negative information will be deleted, and the positive information will remain. You can do everything they can legally do, and it will cost you almost nothing. More information is available on this web site about how to order a copy of your Experian credit report . Also, if you're interested in more information about credit monitoring services, you can contact two online. Thanks for asking, Maxine Sweet is Experian's vice president of consumer education.