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Step 1. How are negative items deleted? The way that the credit system is designed is based on risk and trust the more bad things you have on your credit the less trust a bank will have in you. Negative items are part of the Credit Repair process, but it is not the whole process. A negative item is meant to be on your credit report for the next 7 to 10 years, however, must meet specific criteria to lawfully report when a negative item does not meet that criteria you have an opportunity for a rem
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