While you may be able to negotiate with your creditors to remove derogatory items from your credit report, it remains unlikely while you owe money. After you pay, the incentive is even less for the creditor to help you repay your debt. So, make removal of the derogatory information part of any repayment arrangements.
In fact, a creditor can leave these remarks on for seven years. The lawyers at Doctors Financial Resources have experience negotiating with creditors on your behalf. They can help you get the negative comments on your credit report removed.