I am in the process of repairing my credit report on my own. I have paid off 3 accounts listed on my credit reports this year. I noticed that everyone saying that one cannot remove negative items from their credit report and must wait 7 years for the negative items to fall off. My question is if I am trying to clean up my credit report on my own, why does it takes 7 years for these items to fall off and a credit repair company will clear the negative item off in 30 to 45 days? I am not understanding this.