Credit repair companies are prohibited from making a promise regarding the removal of negative information. 

There is actually no item that can’t be removed. Yes, you heard me right. There is no negative information that can’t be removed from a credit report. 

If a negative account isn’t accurate, verifiable or reporting within the allowable timeframe, it can be legally removed from your credit. The good news is, 79% of credit reports have errors. Those errors can be used as leverage to remove negative accounts like collections, charge offs, student loans, repossession, bankruptcy, and foreclosure. Even if the account was not paid, it can be removed