When you first looked at your credit report and saw its various sections, industry terms, and endless lists of categories and data points, were you… a bit overwhelmed?

Probably not the least by accounts and items flagged as negative. While some are obvious, like bankruptcies and collections, others make you scratch your head. “What’s wrong with this account? Why is it flagged? What even is an inquiry?”

In fact, one of the questions we get most is whether certain items people find are actually removable.

Clearing Up Some Misunderstandings

There’s a lot of conflicting information out there, and much of it is wrong or misleading. For example, most people believe bankruptcies stay on your credit reports either seven years or forever. The truth is that most bankruptcies will continue to report for 10 years.

However, just because a negative credit item has been reporting for a certain number of years doesn’t mean it will automatically “fall off” of your credit reports. Actually, that’s one kind of error we deal with frequently.

On the other hand, we want to emphasize that what we’re actually attacking isn’t the negative accounts or items themselves… It’s potential inaccuracies.

This is what every reputable credit repair company will tell you. Credit repair isn’t a series of tricks designed to game the system.

On the contrary, what credit repair really means is leveraging the consumer protection laws that ensure your credit is completely accurate and verifiable. If the credit bureau can’t verify the data we’re disputing, it must remove the data from your credit report, period.

That said, let’s talk about…

Items That Can Be Removed through the Dispute Process

While no legitimate credit repair company can promise that a certain item will be removed, we’ve seen great success in removing all kinds of items.

We accomplish this for you using proven dispute tactics that are specific to your account, circumstances, and history.

The kinds of items we’ve been able to remove include:


A chapter 13 bankruptcy will usually stay on your credit report for seven years, while a Chapter 7 bankruptcy will remain for ten years.

Many people think that bankruptcies simply cannot be removed. On the contrary, bankruptcies on your credit report must be 100% accurate and verifiable, or they must be removed.

Other Public Records

Your credit report will include a section of public records, which, in addition to bankruptcies, include civil judgments and tax liens.

How long judgments and tax liens will stay on your credit reports depends on the state in which they were issued. You can check the statute of limitations for your state on Nolo.com.

There are many data points that can be misreported and harm your credit, which we can then dispute with the credit bureaus to have the item removed.

Account Data

There are over two dozen data points in every account that must be totally accurate. Accounts are the “meat” of your credit report and their data will collectively have the largest effect on your credit scores.

The kinds of account items we dispute and have been consistently able to remove include:

  • Charged off accounts / aka chargeoffs
  • Repossessions
  • Foreclosures
  • Late payment histories
  • Delinquencies
  • Child support late payments
  • Student loan delinquencies
  • Student loan defaults


Usually the last section of your credit report, inquiries are simply records of times that a lender, financial institution, or business requested your credit report.

These are known as “hard” inquiries. Each one can decrease your credit score by a couple of points. Having too many within a year can reduce your credit score even more.

We have been successfully able to remove hard inquiries that appear suspicious or unverifiable, to give your credit scores one last push.


Professional credit repair can help you detect, understand, and have the best chance of removing all kinds of negative items from your credit reports. In general, the more negative items you remove, the bigger an overall impact their removal is likely to have.

If you’re unsure about why your credit scores are so low, which items are negative, or why, our credit experts are here to answer your questions. Call or message us today!

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