I am confused as to how long negative information can stay on your report. I have no charge offs or collections, only late payments from a period of time when I was having some problems financially. Do late payments stay on the report from the time of the orginal delinquency..or does this only apply to charge-offs? Or does each individual late payment stay on for seven years from when it happened? Another suggestion that I have seen on some of these sites is to call an individual creditor and simply ask them to help you by removing negative information. The information states that sometimes you can convince somebody to take negative information off of your report if you have a good reason for being late (or whatever) and have otherwise been a good customer. Has anybody tried this, and with who, and did you have any luck?