A credit sweep is not validating the information as incorrect and therefore subject to deletion. The sweep is actually erasing the negative accounts from the file, but it is only temporarily.

The sweep is performed in 1 of 2 ways:

1) Inside contact at collection agency is paid under the table to delete items from the file. Many times this is offered as a 1 bureau sweep because that collection agency has the ability with only 1 bureau. All collection agencies have the right to remove as well as post negative information on files. The bureaus allow this to compensate for human error. The bureaus always catch up to this as the deletion of all items from a file can’t be considered human data entry error. All the items will re-appear once he gets caught.

2) An identity theft alert is filed with the bureaus. This is more common now and the bureaus are catching on. In this case the identity theft claim forces all accounts to stop reporting, but its only temporary. Once the accounts are proved to be valid by the creditor they re-appear. What the person does is to submit a police report that all of their information was fraud and have it deleted this way. However, again this is temporarily.

In summary, be careful using this strategy and we are actually against it. Only because if you are caught making these claims and filing a fake police report or someone doing it for you is criminal fraud. More importantly, you are an accomplice. You are an accessory to the crime and can be held liable. To top it off you will have wasted the $500-$3000 that these services charge upfront.