My credit report said that enough time has passed to have some items removed. Do I call the bureau or company?

Derrick D asked:


my credit report says the the status of of some accounts should have dropped in December and January and March to come. Do I call the company or the credit bureau to get the item removed from my report? I’m trying to refinance and want these items to drop off so I can get a better rate.

Any news is good news.

Anthony