will negative items automatically fall off a credit report after 7years or will i have to do it?

Answer 1

The length of time a negative remains on your reports depends on what the negative is for.

If it is for credit cards, bank loans, etc. then they will fall off on the 7 year mark. You may be able to hurry it along by disputing it as obsolete roughly around 3 months before they are due to fall off.

Sometimes that works but it really depends on who the creditor/collector is.
For instance, if it is with Cap One, it will remain until the very second it is due to fall off. (but watch them "very" carefully for reaging)

Answer 2

The items will automatically fall off the report, unless the item is a bankruptcy. Be warned though, the statute of limitations does vary. So just because an item falls off your report does not mean that a creditor can't sue you for the debt.