We need a 3 bureau credit report in order to give you an estimate on the cost to remove the negative items from your credit report. You can get a free credit report on annualcreditreport.com and also get a free trial or one for $1 with any site to get a full report. Call (601)874-4388 if you have question about pulling credit report. Email full report to kaswanna@kwatsonfinancialservices.com