Can Items Reappear On Your Credit Report?

Can negative items return to your credit report after they have been deleted by your credit repair company? 

It's actually quite uncommon to get an item removed from your credit report only to have it come back. The credit bureaus will sometimes temporarily delete a negative listing if they haven't heard from the credit grantor after the 30 day time frame. If the creditor reports it later, the credit bureau will sometimes reinsert the negative listing back on the credit report. This is called a "soft delete."

According to the Fair Credit Reporting Act (FCRA), the credit bureaus must follow strict guidelines to notify you if they decide to re-report an item on your credit report, which they hardly ever do. The new FCRA guidelines have reduced the frequency of the negative items being re-reported on your credit report. The guidelines have also increased the risk of a lawsuit for the credit bureaus when they violate them.

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