Q: What if all of the negative items on my credit report are accurate? Can they still be removed?

A: Reporting of accurate information is the responsibility of the creditor to report to the reporting bureaus. It is their job to keep accurate records as well. When they fail to meet that requirement, then you should protect yourself with the truth. Information is sold from collection agency to agency all the time, many times these companies lose track of how they acquired the debt. To answer, even if you personally know it is accurate, but the reporting agency cannot verify it, then yes it can be removed.