the XXXX derogatory reports were bills from hospitals due to a serious car accident XXXX. My lawyer had all the bills and was supposed to pay them. When these XXXX derogatory reports showed up on my credit report I paid them right away to preserve my good credit, as I pay all my bills on time 100 %, as my credit report shows. 
Yet XXXX derogatory reports are still on my credit report from XXXX and Equifax. XXXX eliminated them after I talked with them. It is very hard to get in touch with these XXXX reporting companies to correct my credit report.