Hi guys! I have some negative items in my credit report which is making me difficult to acquire credit. I checked my credit today and there is 60 day delinquency on the record and one item on the collection which I already paid a long time back, but it still remains on the record for about 3-4 years. Can this be deleted from my credit report? Do you know of any law agencies that do that? Has anyone done it before? Thanks in advance!