FAQs
Is this legal?
Yes. The Federal Fair Credit Reporting Act allows consumers to dispute information and have the bureaus remove or revise information on credit reports.
If I pay-off my collections, will they be deleted from my report?
NO. Even if you pay the collections, your credit score will not rise substantially. The negative information remains on your report and merely states “paid.” They will NOT remove the negative history of the account when you pay it off.
How long does it take?
Results can be achieved within the first three weeks. It could take from three to six months or one to two years depending on the number of derogatory items or what the derogatory items are, such as bankruptcy, student loans, repos, foreclosures or tax liens.
Are the deletions permanent?
YES, the credit bureaus must prevent the “reappearance” of inaccurate or unverifiable information removed from a consumer’s credit report as the result of their investigation.
Doesn't the law require that negative stuff remain on a credit report for 7 years and bankruptcies for 10 years?
NO, the law states that negative information “CAN” remain… it does NOT state that it “MUST” remain for 7 or 10 years.
What can be taken off the credit report?
Any and all erroneous information or information that cannot be verified can be taken off of a credit report. This includes bankruptcies, late payments, collections, repos, charge offs, judgments, liens…etc.
Will deletions from my reports be deleted from my spouse’s report automatically?
NO. The credit bureaus treat you as separate individuals. Your spouse must take the same steps to have negative information removed just as you do.