Can a Credit Repair Company Legally Remove Reports of Late Payments?

It is difficult to provide a conclusive answer to your question without knowing the full details of the situation. However, accurate information on a credit report is very difficult to remove. A credit repair company may be able to negotiate a settlement with creditors, in which creditors stop reporting late payments in exchange for partial or full payment of debt, but this is far from a certainty. Although it is legal for creditors to not report late payments, it may not be legal for the credit repair agency to “assure” you that they will remove this data from your report.

You should speak with a qualified bankruptcy and/or credit repair attorney as soon as possible regarding the actions of the credit repair company and the claims they are making, in order to ensure that you are protected.