A negative item on your credit is anything that appears in your credit report or history that lowers or has the potential to lower your score. Examples would include things such as unpaid debts or collections, missing/late payments, bankruptcies, charge-offs, liens, repossessions, etc. Not everyone is aware that these items can be a result of divorce, identity theft, military leave, medical debt, and student debt. You may be able to have them removed fairly easily through credit repair.