In an effort to reduce their workload, the credit bureaus have cleverly spread this myth and others through the news media to keep you or your agents from challenging their records.
The truth of the matter is provisions of The Fair Credit Reporting Act make it more difficult for credit bureaus to re-report listings that were not timely verified and hence removed. It is fairly rare for deleted items to re-appear on a credit report.
Should a questionable item reappear,it could affect your ability to maintain clean credit. However, it is a simple matter to challenge the listing again noting their violation of FCRA provisions.
You may also find these pages of interest:
- Credit Report Repair – How to remove mistakes and errors on a credit report.
- Bad Credit Deleted – Learn how to delete bad credit listings.
- Will deleted items just reappear on the credit report? – This is a common concern among those who seek credit repair services.