Any item that shows up on your credit report which you believe to be inaccurate, incomplete, biased, or not fully accurate can be removed from your credit report. It is not a matter of if, but a matter of when.
There are some negative credit report listings such as unpaid debt and active bankruptcies that are difficult to remove from a consumer’s credit report. However, other serious negative listings such as court judgments and tax liens are much easier to remove from a credit report than a bankruptcy. This is not necessarily due to the severity of the listing rather the process of the credit reporting bureaus.
Don’t let the severity of the item on the credit report influence your decision on whether to use a credit restoration agency. Oftentimes, it does not depend on the severity of the item but instead whether the type of item that is listed is removable by the credit bureaus in a easy fashion.
For example, whether you owe $50.00 on a credit card balance or $50,000.00 on a credit card balance, if the item is inaccurate, incomplete, biased, or misleading then you can have that item removed much easier than a bankruptcy. However, a recently filed and discharged bankruptcy or home foreclosure will be much harder to remove regardless of amount, circumstance, or even accuracy in some cases. In short, bankruptcies are a special situation that require special attention. We specialize in bankruptcy is on credit reports.