That depends entirely on who you ask.

The government and credit industry have teamed up in effort to convince the average person that there is absolutely, positively no way to have an accurately reported item removed.

Yet, all over the web you see credit repair sites such as this one. Many of those sites sell ebooks that promise credit repair miracles.

So who is right?

I know first hand that the answer to the question is yes. Accurate, negative items can be removed from a credit file. And it is no harder to remove in most cases than a mistake.

Why, you might ask, would the government tell you a lie?

For starters, if everyone knew how simple it was to repair their credit and decided to do it, it would place a tremendous burden on the credit industry.

At the very least, it would cost them many millions of dollars to staff up and answer the disputes. That money would be profit if they can convince you that credit repair is not possible.

It would also make the credit system almost unusable as a true indicator of risk. Everybody would have clean credit.

But the solution is not acceptable to the credit industry. They would have to become responsible and keep accurate records.

It is much cheaper and easier to just try and convince people that an accurate negative item can't be removed. Every person they can convince of this is a boost to the bottom line of the credit industry and politicians alike.

YES. YES. YES. Accurate negative items CAN be removed. Permanently and legally.

Don't give control of your credit and financial future to the incompetent bureaucracies of the government and the credit industry.

Challenge anything and everything you don't want on your credit file until it gets deleted. Even if it is accurate it will eventually get deleted if you play your cards right.