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Valid negative entries on credit reports cannot be removed until the time limit for expungement is reached. Creditors/collection agencies CANNOT remove the entry. Companies that claim they can clear a credit report of valid negative information that has not exceeded the prescribed time limit (usually 7 years) are, quite frankly, lying.

2006-07-01 14:10:21
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Q: If you offered to pay in full in exchange for negative information being taken off your credit report why would every collection agency you owe say they cannot remove the information?
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