[alostpuppy]

That’s not my experience. The only derogatory items on my credit report are medical debts I have long since paid off.

[bryans]

You have the legal right and ability to remove any mark if you've paid it off. Both of the agencies have online options for removal requests.

https://www.experian.com/disputes/main.html

https://www.transunion.com/credit-disputes/dispute-your-cred...