A negative credit report is a credit file containing derogatory entries such as late payments, charge-offs, foreclosures, repossessions, collections, bankruptcies, and high credit utilization. To determine if you have a negative credit history, you can check your credit report for free.
Negative information cannot be removed from your credit report if it is accurate, though the information will fall off your report after 7 years. If the information is incorrect, you can file a dispute with the three major credit bureaus...