 unless they're inaccurate. Only then can you have them removed. Get your credit reports from all three reporting bureaus, Experian, TransUnion, and Equifax. You can do that for free at annualcreditreport.com. Check for errors, and if you find any, dispute them. Then, keep your account balances below 30% of your available credit and always pay your bills on time. Do those things and your credit score will start to rise and it won't cost you anything.