Have Negative Narratives Removed
Negative narratives are negative marks left by lenders on your credit report. Depending on what these comments are they can severely lower your credit scores.
The most common of negative narratives are
Charge offs
Account included in wage earner plan
Account included in a bankruptcy
Involuntary Repossession
Voluntary Repossession
Settlements accepted on an account
The only way to have these comments removed, which tend to remain on your account for seven years, is to try work with the lender to resolve the comment that was left in the first place.
Another tactic is to hire an attorney to represent you and take the lender to court to have it removed. However keep in mind this approach will only work if you have paid of the loan in the first place.