We can not say with certainty that negative entries on your credit report, such as settlements, judgments, bankruptcies, etc. will be eliminated with CreditBar counseling, because every case is different. But, if you think that you have a negative entry on your credit report that you think is incorrect, misleading or unverifiable we can contest them. While we don’t make promises, it is important to note that CreditBar Credit Services has eliminated bankruptcies from credit reports in the past.