Answer: -Old negative information should drop off automatically. Most of it falls off at 7 years. Bankruptcies and tax liens remain for 10 years. You should pull a copy of your credit report once the 7 years has passed. If it's already dropped off (and it usually will) you don't need to to anything. If it doesn't drop off, a short note to the credit reporting agency should suffice. Do NOT have any contact with the creditor or any collection agencies about these! That can trigger a "re-aging" of the account. You'd then have a fight on your hands trying to get it removed. -You will not need to request that these accounts be removed- it will happen automatically on the 1st day of the month before it is due to fall off. So, if an account was due to fall off on March 1st, it fell off on February 1st. -I have found an ultimate solution for you! This guy will repair your credit in no time. He will also give you a FREE credit repair mini course, so you can learn where to start. Before that you should know a few facts:1. You don't need a lawyer to eliminate your debts!2. You don't need a credit counselor to fix your credit for you!3. You don't need any kind of so-called professional to help you at all!