- Bankruptcy filing records (Filed, Discharged, or Dismissed)
- Included in Bankruptcy Items (included in BK)
- Charge-offs (paid and un-paid)
- Collections (paid and un-paid)
- Closed accounts with late payments (late payments affect the account up to 7 years after)
- Wage Earner Plan
- Foreclosures
- Inquiries
- Judgments (civil, small claims)
- Late Payments
- Repossessions (legal, voluntary)
- Tax Liens (state or federal)
- Account Settled

You can also use payment history codes to identify derogatory items:

R - Revolving (usually a credit card)
I - Installment (like mortgage or auto loan)
R2 or I2 = 30 days late
R3 or I3 = 60 days late
R4 or I4 = 90 days late
R5 or I5 = 120 days late
R7 or I7 = making regular payments under wage earner plan
R8 or I8 = repossession
R9 or I9 = charge off

Now that you have the negative items identified it is time to validate & verify that the items reported are indeed reporting correctly.