Will deleted items reappear on my report?

Occasionally, the creditor will verify an item that has been deleted. The newly amended Fair Credit Reporting Act has provisions to protect you against items being re-reported on your report.

Additionally, you must be notified before a previously deleted item can be re-reported. It is fairly rare for a listing to re-appear on a report once deleted. If an item is re-reported, it is a simple matter to challenge the listing again and press for permanent deletion. If an item is re-reported your attorney will credit you toward your next deleted or corrected item (or) at your discretion promptly send a $5.00 refund for the re-inserted item.