Reply
Regular Contributor
Posts: 139
Registered: ‎10-14-2011
0

Once an items has been deleted can it come back?

Just wondering, if a disputed item has been removed from your credit report can it come back again?  I've disputed some items and they have been removed, just wondering if I need to worry about them coming back again and again. 

 

Also, if an item could not be verified and was removed from one CRA is it a pretty good chance that if disputed with the other CRA's they will remove as well?

 

This formum has helped me so much in the last month, thank you to everyone who contributes!    :smileyhappy:

 

 

Starting Score: 608 (TU) 612 (EQ)
Current Score: 679 (TU) 679 (EQ)
Goal: 760 on all
Frequent Contributor
Posts: 442
Registered: ‎11-26-2011
0

Re: Once an items has been deleted can it come back?

The item can only be re-incerted if verified accurate. And you must be notified that it is hitting your report again. By law credit bureaus MUST share corrected info with each other that includes deletions. FCRA 1996.
Regular Contributor
Posts: 139
Registered: ‎10-14-2011
0

Re: Once an items has been deleted can it come back?

Thank you.  :smileyhappy:

Starting Score: 608 (TU) 612 (EQ)
Current Score: 679 (TU) 679 (EQ)
Goal: 760 on all
Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008
0

Re: Once an items has been deleted can it come back?


ji9 wrote:

Just wondering, if a disputed item has been removed from your credit report can it come back again?  I've disputed some items and they have been removed, just wondering if I need to worry about them coming back again and again.  Yes.  I've had accounts fall off of a report and then reappear.  So has DH.  I've never received notification that an account is "coming" back.  Be sure to only dispute inaccurate information.  

 

Also, if an item could not be verified and was removed from one CRA is it a pretty good chance that if disputed with the other CRA's they will remove as well? IME, each CRA will respond independently.  I've had one account corrected easily on two CRA's and stubbornly remain inaccurate on the remaining CRA.  

 

And again, just a reminder to be sure to only dispute inaccurate information on your CR's.  

 

This formum has helped me so much in the last month, thank you to everyone who contributes!    :smileyhappy:

 

 


ji9 - Hope that's helpful!

Just puttin' syrup on something, don't make it pancakes.
Frequent Contributor
Posts: 260
Registered: ‎11-10-2011
0

Re: Once an items has been deleted can it come back?

what if the collection you had deleted was a paid collection? I called the CA and the rep told me to dispute it. It was deleted, would they have any reason to add after all that?


Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800


Take the FICO Fitness Challenge
Regular Contributor
Posts: 139
Registered: ‎10-14-2011
0

Re: Once an items has been deleted can it come back?

Disputed many items that turned out to be accurate.  There were so many things on the reports that the companies had changed names and/or merged with another that I didn't recoginize so I disputed anything I was not certain of.   None had any balance as were all part of BK.  Also had a couple that were listed twice with the same account numbers that sort of thing.  There are acouple that I still don't think were mine that verified and then some deleted that after looking through all the paperwork I think were valid so it's kind of strange.   Was not trying to dispute anything that I knew was valid but wanted to get it cleaned up as much as possible of anything that wasn't mine.  One of the items that deleted was a judgement, they had it listed twice, I disputed and they deleted both of them.  Again, these had zero balance because of the BK.   Thanks for the replies, I appreciate any feed back at all.  :smileyhappy:

Starting Score: 608 (TU) 612 (EQ)
Current Score: 679 (TU) 679 (EQ)
Goal: 760 on all
Mega Contributor
Posts: 19,499
Registered: ‎03-19-2007
0

Re: Once an items has been deleted can it come back?

If you have disputed the accuracy of information in your credit report with one CRA, the outcome of the dispute is the key item.

If the disputed information simply went  unverified, then the furnisher is required to either correct the information or report its deletion to the CRA conducting the dispute process.  If the dispute concluded with a specific finding by them that the information was incomplete or inaccurate, that triggers, under FCRA 623(b)(1)(D), their obligation to additionally report those results to ALL CRAs to which the information has been previously reported, and not just back to the CRA through which the dispute was conducted.

 

Reinsertion of information follows the same general flow.  If prior deletion resulted from a consumer dispute, the information cannot be reinserted by the CRA unless the CRA complies with the restrictions set forth in FCRA 611(a)(5)(B),  The request for reinsertion must be accompanied by a certification of its accuracy by the party doing the reporting, the CRA must accept that certification, and the CRA must send you notice within 5 days that they have reinserted the information.

 

Again, the key is how the dispute was concluded.  Was deletion clearly a result of lack of verification or a finding of inaccuracy on their part.

Regular Contributor
Posts: 139
Registered: ‎10-14-2011
0

was Re: Once an items has been deleted can it come back?

I think it was probably both reasons.  I would suspect that some were deleted simply because they could not be verified but some were clearly not ours and were deleted.  I guess we will have to just wait and see what happens.   Thank you for the explaination.  :smileyhappy:

Starting Score: 608 (TU) 612 (EQ)
Current Score: 679 (TU) 679 (EQ)
Goal: 760 on all
Regular Contributor
Posts: 139
Registered: ‎10-14-2011
0

Re: was Re: Once an items has been deleted can it come back?

Also, curious now.   What type of experience have others in the forum had with this.   Would love to know what type of experience others may have with deleted items and if they have ever come back or if that is a rare occurance. 

Starting Score: 608 (TU) 612 (EQ)
Current Score: 679 (TU) 679 (EQ)
Goal: 760 on all
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: was Re: Once an items has been deleted can it come back?

I've never had the EXACT same OC or CA re-report after a dispute, but many times I've had new CAs report the same debt after these new CAs purchased that debt.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.