I'm attempting to clean up my credit, and would appreciate any suggestions on the following: 1. How long does a federal and state tax lien stay on my credit report after it has been paid in full? 2. SPRINT - paid in full 11/5/04. Still appearing on credit report. How can I get it removed? 3. Charged-off credit cards - do I try to negotiate with the collection agency or the original creditor? Thanks.
