Yes, basically i am asking: What information can a credit agency withhold when asked for a credit file that they would have to give if they were SARNed?(posted 8313 days ago)The issue is not money but time. My friend is trying to negotiate a early settlement conditional on the removal of, or non-posting of adverse credit information at the credit agencies. If he has to wait 40 days it could affect negoitions and he doesn't want to do this if he isn't going to get any more material informaiton, so hence the question. He does not have every-day access to a computer and thus to this website. Further neither him nor I found out about this site before he began negotiations. Perhaps things might have been different if he had.