What types of debts can be removed from a credit report?

In California, it is possible to remove certain types of debts from a credit report through the credit repair law. The types of debts that can be removed are anything that occurred due to identity theft, errors made by the credit bureaus, and any type of debt that was discharged in bankruptcy. When it comes to identity theft, any debts that were taken out in a person’s name without their knowledge or consent are eligible to be removed. This includes any debt that was caused by someone fraudulently opening up accounts, taking out loans, or using a person’s credit card without permission. Errors made by the credit bureaus can also be removed. This includes any inaccurate or misleading information on a person’s credit report that is not based on the information provided by creditors. This type of error is often caused by a typo or incorrect information being reported to the bureaus. Finally, any debts that were discharged in bankruptcy are eligible to be removed from a person’s credit report. Typically, these types of debts are erased from a person’s credit report seven years after the bankruptcy is discharged. This type of debt removal is particularly beneficial to individuals who have gone through a bankruptcy process.

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What types of debts can be removed from a credit report?

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