Interesting Question

If a negative item gets removed from your credit report does it also get removed from public records?

Answer is NO.  Credit repair companies’ sole focus is to keep creditors and credit bureaus honest.  Something most people don’t realize is that credit bureaus and creditor have to follow the letter of the law when they report something on people’s credit reports.

If a negative item is removed due to a creditor not following the letter of the law that does not mean you are no longer responsible for the debt.  Negative items that belong to you but are removed from your credit report due to negligence still belong to you.  So if there is a judgment or some other legal debt filed in public records you will still be responsible for that debt unless you file for bankruptcy.

This question was recently asked by one of our clients.  I was not entirely surprised by the question but it does remind me of why the credit repair industry has had such negative stigma.  False promises and guarantees are very common in most industries including credit repair.  Questions like this one are a clear indication of the kind of false claims and promises scrupulous companies make to take people’s money.

The professionals at CredTEK Corp. do not make false promises in fact we tell you what most people don’t want to hear.  In a society where instant access to just about anything is right at your fingertips most people want things done right away.  The credit repair industry is a totally different animal.  And even though it takes less than 30 days to ruin your credit, it could take some people years to get it re-established.  Hiring a professional to repair your credit will help cut that time significantly.