Typically, it takes seven years after removing a negative item for it to be 100% removed from affecting your credit score but I got to erase all the negative items on my credit report within few days by George Hotz who had got to fix up my bad credit report and clean up all the bad credit records on my credit report. He had to make it possible for me to get approved for 2 credit cards with about $90,000 available on each credit cards. Just email him via GEORGEHOTZcreditmax@gmail.com or Text thru 516-926-0428.