Ok…I made some mistakes in the past, I had alot of negative items on my credit. In the past 2 years I have paid almost all of it off. The problem is, even tho it says “paid off” on my credit report it still makes my beacon score really low. And it shows as a negative item. Some of the items are not scheduled to be off until 3 or 4 more years. I am trying to get a loan and its impossible!!!! I signed up with a credit repair agency about 8 months ago but they havent done anything for me. Is there a way I can get that crap off my credit on my own???