Is it possible to remove accurate, negative information from my credit report?
You generally cannot have negative but accurate information removed from your credit report. You can, however, dispute accurate information if it appears multiple times. Most negative information will remain in your report for seven years. Some types of information remain longer.
You can also dispute negative information that arose from identity theft or is not information about you. The credit reporting companies should remove these items from your credit reports.
Beware of anyone who claims that they can remove information from your credit report that’s current, accurate and negative. It’s probably a credit repair scam.
You have the legal right to dispute inaccurate information directly with both the credit reporting companies and the companies that furnish your information to the credit reporting companies. To fully protect your rights, you should always dispute credit report inaccuracies with them both. They must conduct a reasonable investigation, and fix mistakes as needed, usually within 30 days, at no cost to you.
There is no reason to pay someone else to dispute inaccuracies on your credit report for you as it is already a legal right available to you for free.
If you are having problems with credit reporting or credit repair companies you can also submit a complaint to us. We will forward your complaint to the company and work to get you a response.
Ask CFPB provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically.
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