§ Claim under review · Fact
"120 NEGATIVE ITEMS DELETED! 📈 NEW CREDIT SCORES ✅ Equifax: 643 ✅ TransUnion: 626 ✅ Experian: 635. Your credit journey starts here! 📩 Feel free to DM me on WhatsApp! +63 992 600 7382 #CMVA #CreditRepair #creditscore"
Verdict
Unverified
Confidence
MediumSummary
This Instagram post claims 120 negative items were deleted from someone's credit reports, giving scores of 643, 626, and 635. The claim is unverified. The only evidence is a screenshot supplied by the person selling the service, and a private credit file cannot be independently checked by anyone. The post's own image works against its message: it records the score movement as zero points, zero points, and one point, and labels all three scores "Fair." US regulators state plainly that accurate and current negative information cannot be removed from a credit report, that only inaccurate or unverifiable items can be disputed successfully, and that consumers can file those disputes themselves for little or no cost. The FTC has brought enforcement actions against credit repair operations that advertised negative-item removal and score improvement on social media, and the CFPB notes that federal rules restrict when telemarketed credit repair fees may be collected. What remains unknown here is whether the screenshot is genuine, what the "120 deleted" counter actually counts, what the starting scores were, what fee was involved, and which country's rules govern an offer that names US credit bureaus but gives a Philippines contact number. General information only, not financial advice.
The readings
key figures from the evidenceNegative items claimed deleted from credit reports
Actual score movement shown in the post's own dashboard image
Why this verdict
Evidence
No independent record of this consumer, this credit file, or these deletions exists or can exist in public sources. A private consumer credit file is not a public record, so the only artifact offered is the promoter's own screenshot, which under source doctrine proves nothing about results.
The regulators of record describe what is and is not achievable. The FTC states that credit repair companies "can't remove negative information that's accurate and current from your credit report" , and adds that anything a credit repair company can legally do, a consumer can do themselves for little or no cost . The CFPB states: "Beware of anyone who claims that they can remove information from your credit report that's current, accurate, and negative."
It adds that this is probably a credit repair scam, and that consumers have the legal right to dispute inaccurate information themselves. Experian's consumer education puts it as only inaccurate or unverifiable information can be removed .
On the marketing shape specifically, the FTC's 2026 enforcement action describes defendants who "falsely claimed that their credit repair services will substantially improve consumers' credit scores by promising to remove negative items from consumers' credit reports" . An earlier FTC action concerned a network that advertised credit repair services on websites and social media . The FTC's own publication lists "We can erase your bad credit, 100% guaranteed" among claims it describes as likely signs of a scam. On fees, the CFPB states that credit repair companies engaged in telemarketing cannot collect fees until they document that promised results were achieved, at least six months afterward .
Critically, the post's own image refutes the post's own framing. The dashboard fields recorded at intake read "Equifax 643 Fair ↑0 pt; TransUnion 626 Fair ↑0 pt; Experian 635 Fair ↑1 pt". A claimed 120 deletions is shown alongside a combined one-point movement across three bureaus.
Findings
✓ What's accurate 4
- The three scores quoted in the caption match the three scores shown on the post's own dashboard image, dated 09/22/2026.
- The image does display a "120 Deleted" figure in a "Credit Score Factor Updates" panel.
- Credit repair as an activity is real and lawful in the US when limited to disputing inaccurate, incomplete, or unverifiable information. The FTC confirms consumers can do this themselves at little or no cost.
- Score movement of some kind after a reporting cycle is ordinary and unremarkable.
≈ What's misleading 7
- Causal overreach: the caption says the deletions resulted in these scores, framing the numbers as an achievement. The post's own image records the movement as +0 points, +0 points, and +1 point. Presenting a one-point combined change as the payoff of 120 deletions attributes an outcome to the service that the artifact does not show.
- Omitted qualifier: no starting scores, no date range, no fee, no definition of "negative item," and no indication of how many disputed items were inaccurate versus accurate. The FTC's position is that accurate, current negative information cannot be removed, so the composition of the 120 is the entire question and it is omitted.
- Survivorship bias: a single advertised file is presented as the service's representative result. Clients whose disputes failed, whose deleted items reinserted after verification, or whose scores fell are structurally absent from a promotional feed.
- Cherry picked window: the snapshot is a single import date with no before-and-after pair, so the reader cannot see the period over which anything changed or whether the change persisted.
- Average vs median is not the issue here, but the related problem is: one anecdote is offered where a typical outcome would be the meaningful number, and no typical outcome is stated.
- Proof by screenshot: an uncorroborated dashboard image from the party selling the service sits at the bottom of the evidence hierarchy. It is not verifiable by any reader and is the exact artifact class regulators cite in results-marketing cases.
- Jurisdiction transfer: the post invokes US credit bureaus and US-style scores while soliciting through a Philippines contact number and naming no country. Credit reporting rights, dispute procedures, and credit repair fee law differ by jurisdiction, and which regime governs this offer is not stated.
? What's uncertain 6
- Whether the screenshot is genuine, altered, or belongs to any real client. No original can be located and none could be, since consumer credit files are private.
- What the "120 Deleted" figure actually counts. The post's own disclaimer text refers to items changing status since the last import, which in monitoring dashboards can include routine data-feed changes, and this is not the same as 120 successful negative-item disputes. This could not be confirmed against the dashboard vendor's documentation.
- Whether the scores rose from a materially lower starting point over a longer period, since no prior scores are shown.
- Which scoring model produced 643, 626, and 635, which matters because lender-pulled FICO scores often differ from monitoring-service scores.
- Whether any fee was charged, when, and whether the arrangement would comply with the advance-fee rules the CFPB describes.
- The identity, registration, and location of the operator behind the account and the WhatsApp number.
Sources
7 of 8 linked to recordsFTC, "Fixing Your Credit FAQs", Consumer Advice
CFPB, "Is it possible to remove accurate but negative information from my credit report?"
FTC, "Credit Repair: How to Help Yourself" (PDF)
FTC press release, "FTC Stops Sprawling Credit Repair Scheme that Scammed Consumers Out of Nearly $200 Million"
FTC consumer alert, "Only scammers say they'll remove all negative information from your credit report" (2024)
CFPB, "CFPB Announces Return of $1.8 Billion in Illegal Junk Fees ... Credit Repair Scheme"
Experian, "How to Spot and Avoid Credit Repair Scams"
The post's own screenshot of a credit monitoring dashboard