Bad credit reports can’t be repaired period. If there is negative information in your credit report that’s accurate, it cannot be removed and will stay there for seven years. Read the fine print in the ads for ethical credit repair companies and you’ll probably see that this is true. For example, if your search Google on the term “credit repair,” you’ll see a link to the website of Veracity Credit Consultants. Its page says“ Veracity works to remove errors, delete inaccurate negatives, and highlight good accounts. Notice how it says nothing about “repairing” or “deleting” accurate information.