Can't the orignal creditor remove negative items (like late payments) even if they are accurate but they cannot find the information or if enough time has passed (say 3-4 yrs)?Yes, possibly. I wrote to WFNNB about my Micro Center store charge. I had one 30-day late notation from 2 or 3 years ago on my account. I wrote to them begging for their forgiveness, thanking them for giving me second chance, and asking that they remove the notation. They wrote back saying that they were so happy to have me as a customer, and they'd be delighted to remove it. MBNA on the other hand told me to.... well... they said NO.
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