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7 Exclusive How To Remove Credit Report Items - Check all three credit reports. The fair credit reporting act gives credit bureaus 30 days to verify the information.if they can’t, by law, they must remove it from your credit report. How To Remove Discharged Debt From My Credit Report . (60 second read.) you can remove derogatory items from your credit report before seven (7) years. How to remove credit report items 7 Amazing How To Remove Credit Report Items . According to experian, here’s how long six common negative items stay on your report if you aren’t able to remove them: Check the accuracy of the date the account was reported as delinquent if possible. Depending on the total amount of the debt, it could be more than 100 points. How to remove credit report items Seven years from the first late payment, even if you’ve caught up and the account is current or closed. Initiate a claim directly with the credit bureau by writing a dispute letter. Writing a letter to remov...