I have two accounts that are scheduled to come off of my report later this year. Once in 9/2015 and the other in 12/2015. One is a charge-off the other is a collection for $ 6652 that I dont have the money to take care of. Is there any way that I could request early removals of these items or should I just wait it out? I do not want to poke a sleeping bear and make trouble for myself. Any advice would be greatly appreciated.