Wednesday, March 17, 2010

Can something that was deleted from my credit report show up again?

I checked my credit report last month and something popped up that I was unaware of. I had no clue what it was so I disputed it and, 30ish days later, I received notice that it was removed from my credit report.





My question is - can this business continue to report this? What do I do if, upon checking my credit report again, this item shows up once more? Do I just continue to dispute this until I die?

Can something that was deleted from my credit report show up again?
If the creditor didn't verify the item with the credit bureau with the 30 day period, the item would be deleted. However, the company could put it back later.





You could dispute it again. But if it does show up, send a certified, return receipt letter to the creditor requesting validation of the debt, including copies of contracts or other documentation proving the debt is yours. Give them 30 days.





If they respond, you'll have proof the debt isn't yours and can use that to get the credit bureau to remove it. If they fail to respond, dispute it with the bureau as the creditor failed to validate.
Reply:Yes it could,depends on what it was,and who sent it in.
Reply:It should not reappear unless the credit reporting agency made an error.
Reply:It could reappear, but should not and so long as you've got the paperwork about it being deleted it should be a quicker fix in future. As I don't know what it is, I can't really say for sure, but there are so many errors on credit reports that junk WILL be on a significant number of folks' reports at one time or another.


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