Guide
Every legitimate deletion falls into one of three buckets: inaccurate, unverifiable, or outdated.
Guide 02
Every legitimate deletion in credit repair falls into one of three buckets. If a company promises you anything outside these three, they're selling you something the law doesn't allow.
The item is reported wrong. A balance that isn't your balance. A payment marked late that was on time. An account that isn't yours. A collection you already paid still showing a balance. Inaccurate information has no right to be on your report — full stop.
When you dispute an item, the bureau has to verify it with the company that reported it. If that company can't document the debt — no records, no proof it followed the rules — the item has to come off. Sloppy record-keeping by collectors is more common than you'd believe.
Most negative items must be removed seven years after the date of first delinquency: collections, charge-offs, late payments. Bankruptcies can stay up to ten years. Anything reporting past its deadline is deletable on sight.
Accurate information. If the debt is yours, the amount is right, and it's within the reporting window, nobody can legally delete it — and any company that guarantees otherwise is lying to you. What you CAN do with accurate negatives is rebuild around them: utilization, on-time streaks, and time.
We file disputes round by round — about every 35 days — and the bureaus investigate each challenged item. Items get deleted, corrected, or verified. You watch every result as it lands. That's the whole game: challenge everything that qualifies, rebuild everything that doesn't.