Can questionable, bad credit be deleted or corrected?

Can credit repair companies be trusted?

How much does bad credit cost?

Does paying off past-due accounts neutralize their negative status?

Can deleted items reappear on my credit report?

Are items such as bankruptcies and foreclosures impossible to remove or correct?

Should consumers try credit repair on their own?

Does bankruptcy wipe the slate clean for a second chance?

Do creditors bother to read the 100-word statement?

Can changing one's SSN or EIN tax number help credit matters?

Does enough good credit offset bad credit?

Does the CCCS help consumers restore credit?

Do negative items have to remain listed for 7 years?

What is the Fair Credit Reporting Act (FCRA)?

Are items such as bankruptcies and foreclosures impossible to remove or correct?

To see how many questionable bankruptcies we removed or corrected during the last quarter please refer to our stats.*

There is not one type of questionable listing that cannot be removed from a credit report if it is inaccurate, untimely, misleading, biased, incomplete or unverifiable (in our work, we refer to such items as "questionable"). While negative items such as bankruptcies or unpaid debts are more difficult to remove from the credit report, this has more to do with the operational systems of the credit bureaus than with the severity of the bad credit item. For example, judgments and tax liens are severely negative listings yet, in Lexington's experience, clients have had more success getting them removed than other types of listings. Whether a questionable item can be corrected or removed has little to do with its severity alone.