What if removed negative items reappear?
This usually happens by accident or the creditor has verified a particular item at a later date. This is called a ‘soft delete’ and the credit bureaus must send you a letter within 5 days notifying you of the reinsertion. The Fair Credit Reporting Agency has made it much more difficult for a creditor to continue to report an item once it has been removed. Creditors are in violation of the law after reinserting unverified and erroneous items. If added by mistake, All American Credit Services will re-dispute the item.
