Yes there is a way to remove derogatory credit your credit report, credit sweeps are find but after 2 or 3 months the negative marks will return, you can dispute the negative marks with those generic letters that you see on the internet, trust me they never work, or you can file a false police report and get thrown in jail. What i'm selling are four letters that challenge the law, there is a process that the credit bureaus are supposed to follow, but they don't, and they are in violation of the LAW, it make take 1-3 rounds, meaning 90 days to remove the negative marks, but it will work and most of all these letters will only cost $50