Always look for inaccuracies and report it to the credit bureau.
If derogatory remarks are genuine mistakes in credit reports, you can ask for goodwill adjustments.
For outstanding debts, negotiating a settlement can sometimes result in the removal of derogatory marks.
Some derogatory marks will naturally fall off your credit report over time. Focus on timely payments thereafter.
Consider seeking help from a credit repair company like Credit Help India Services Pvt Ltd to repair your credit score.