What can be deleted?

Most derogatories on your credit report imparing your credit score can be deleted, but not everything.

Examples of the derogatories that can be removed are:

• late payments

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• collections

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• bankruptcies

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• tax liens

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• repossessions

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• judgements

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• foreclosures

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• charge offs, and

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• garnishments

How long does it take to delete derogatories?

Most derogatories such as collections and inquiries are deleted within the first 30 - 45 days of credit repair. Some negative items on your credit reports may be harder to remove such as bankruptcies and foreclosures.

In the case of bankruptcies and foreclosures, the credit bureaus may ask for more supporting evidence of the case. However, some people have had bankruptcies and foreclosures deleted from their credit report within a few months.

Late payments are updated on your credit report as 'never late'. Charge offs and collections are common items to be deleted during credit repair.

Some negative items on your credit report may be harder to remove than others. This is another reason you should choose a credit repair service company that is committed to helping you remove derogatories from your credit report in the long run.

There are many credit repair service companies that help you in the short run and soon all the negative information will be right back on your credit report.