Negative entries will drop off your credit report seven years after the account becomes delinquent. This will happen automatically. You don’t need to request it. You will not be able to get accurate entries removed until the seven years elapses. If an account on your credit report is not yours or contains demonstrable errors, you can dispute the account and have it removed. Otherwise, there is no way to force a credit bureau to remove legitimate, validated information from your credit report. Beware of anyone offering a magic trick that will delete accurate records from your credit history. That is usually bait for a scam. If you encounter this, contact the Federal Trade Commission.