Hi Heather, thanks for reaching out and inquiring about Deletion Expert. The answer to your question, is absolutely not. Deletion Expert has multiple options to help yourself, and our other clients clean your credit, and remove negatively reporting items from your credit report. Regardless of whether or not you have been a victim of identity theft, we can assist you with this process, and would enjoy having the opportunity to review your credit report to find out exactly which of our strategies would be best fit for you, your needs, and your eventual goals. Please feel free to reach out to us at www.DeletionExpert.com and sign up for a free credit analysis, and one of our credit analysts will be happy to assist you from there. We look forward to connecting with you, and assisting you with the process of repairing your credit.