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  1. Good Afternoon, I have used the search feature to no avail. I am looking for information in regards to getting rid of negative items and the timeframe I have. I would like to get rid of late payments from 11/14 - 1/15 because I was unemployed. Other than these 3 months, I have had no late payments I would like to get rid of one late payment from 7/13, Other than this one month I have always been on time. I would like to get rid of this account which was opened by a family member. I would also like to get rid of 2 Collections from 12/2014 when I was never given a notice and another one 11/2013 My question is am I out of time?