Anyone know anything about getting your credit cleaned?

Question

I recently tried to obtain a mortgage and was told "your credit score is good" but your negative history is making it impossible for us to help you? Is there a way to get your credit clean without filing bankruptcy? Several of the negative items are due to be removed from my credit in 2009 a few sooner. How do I get those companies to remove the items after 7 years? Several places show different things on my credit, can they be accurate?

Answer 1

Double negative here if your credit history is good but you have several negatives on your history, then your score is not good. That is how it is. Get your own credit report and judge from there Need to know where you stand actually before you take any action

Answer 2

Go to the source:

http://www.myfico.com/

Answer 3

The negative items will drop off at the 7 year mark.  It happens automatically.  There's no way to hurry it along.

Answer 4

why can't u just wait until 2009 and if you don't that's still ok, but why would you make you situation worse by filing bankruptcy, what does that mean to you> whatever action you take know the effect it will have.  FYI bankruptcy laws have  changed