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Common Questions

Can deleted items come back?

The credit bureaus have cleverly spread this myth through the news media and government agencies. In truth, the credit bureaus will often temporarily delete a negative listing if they haven't heard from the credit grantor after approximately thirty days. If the credit grantor reports late, say after six weeks, and then verifies the negative listing, the credit bureau will often reinsert the negative listing on the credit report. Usually, though, the creditor simply fails to respond and the negative listing is permanently deleted.

The new Fair Credit Reporting Act also requires the credit bureaus to inform you before they re-report a negative listing. This law also contains provisions which makes it more difficult for the bureaus to re-list previously deleted items. If a deleted item is re-listed, Legacy Legal Services simply challenges the listing again and asks for a permanent deletion.

Legacy Legal Services