Work closely with all of your creditors if you are aiming towards repairing your credit. This prevents you from sinking further into debt or further damaging your credit score. It is perfectly appropriate to call and request an adjustment to your interest rate or to push back a payment date if needed.
Negative-but-correct information cannot be removed from your credit report, so be wary of promises from unscrupulous companies who promise to remove it from the credit reporting agencies.
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