5 Thoughts on How common is it for deleted iteams to reapear on your credit report?
  1. Reply
    dude I
    July 2, 2011 at 1:34 am

    If the item is deleted, it would have been found not to have been valid at some time. I would not know why it would reappear.

  2. Reply
    Rick B
    July 2, 2011 at 2:33 am

    You don’t pay someone to “repair” your credit.

    If there are mistakes you can contest them yourself. Many lendors will upload data every six moneths or so and you might see items reappear. You just hae to keep fighting it.

  3. Reply
    July 2, 2011 at 2:58 am

    I my experience they practically never come back. Use a software to knock the stuff off solidly.

    The main power using software is that it is self-directed and not do-it-yourself. A reasonable comparison would be to some of the better self-directed income tax programs like turbo tax that are so popular now even including video and audio instructions! The software takes you step-by-step through a point and click method that automates all of the output that is going to the credit agencies. You do not need to know legalese or not even an address because the software takes care of it for you. The credit agencies are required to respond to inquiries from you that certain items are erroneous or wrong or even that you don’t remember them. If they fail to respond within a certain period of time, then the information is removed by default. More info on video below.

  4. Reply
    July 2, 2011 at 3:51 am

    First of all you should know you can do the credit repair yourself but be careful and make sure take some time to research it before you try it.

    Second-items CAN come back if you dispute by phone or email. You should always dispute via mail and certified return receipt.

    It is rare for an item to come back on however. It is not common at all. The CRA’s are required to delete any item that is not verified or updated within 30 days of receiving your dispute. Even if the lender responds on day 31, it is too late. Your proof of time comes with your certified receipt.

    There is more info on the dispute process-what to dispute etc on the two articles listed below.


  5. Reply
    July 2, 2011 at 4:15 am

    It will be a waste of money, but not for the reason that you mention.

    Officially, once items have been deleted, they are not supposed to re-appear until they are verified. If items are removed because they cannot be verified quickly, but they are verified later, then they can reappear when they are verified.

    I am not aware of any cases in which a credit repair service actually had any items removed. The State of California investigated the credit repair industry and found that all or nearly all employees worked only or almost only on trying to sign up more customers, and did little or no repairing.

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