01-05-2011 07:14 AM
01-05-2011 01:01 PM
If the CRA removed it due to a dispute, the credit can re-add it any time, but the CRA must inform you in writing before it reports (I think 5 days before). If the creditor removed themselves, they can re-report at any time though certainly most don't.
01-05-2011 02:21 PM
Thanks for your response!
So I guess it's just a wait and see game now? I'm hoping that because it's a closed account, the CA decides not to re-report it anymore. I'm going to try the same dispute with EQ and EX, hopefully with similar results!
01-05-2011 05:35 PM
Reinsertion of information in a consumer credit file after deletion based on a dispute is covered by FCRA 611(a)(5)(B).
Basically, the CRA is barred from reinsertion of the information unless two things occur:
1. The party requesting the reinsertion must file a "certificate of accuracy of information" with the CRA, certifying that the information is complete and accurate.
2. After receipt of such certification, the CRA must provide, within 5-days, written notification to the consumer.