Can bankruptcies and foreclosures really be removed?
The fact is simple, there is not one type of listing that cannot be removed from a credit report if it is not accurate, unverifiable, or untimely. While items such as bankruptcies, or unpaid debts are certainly more difficult to remove from the credit report, this has more to do with the operational systems of the credit bureaus, than with the severity of the bad credit item. Did you know that judgments and tax liens are severely negative listings, yet have been considerably easier to remove? So to answer that question, yes.