When negative information is deleted
from your credit report, the reporting agencies can’t reinsert any account that
was previously deleted unless there was new information found.
A creditor has 30 days to verify a
dispute. If the creditor hasn’t responded to the credit reporting agency within
he 30 day allowable timeframe, the credit reporting agency must delete
the challenged item from your credit report. On occasion, the credit reporting
agency will perform a soft delete and if the creditor responds a week or two
after the 30 day time period. I’ve been in the credit repair industry for
more than 7 years and had thousands of clients and I have seen less than 5
cases where an item was reinserted back onto a clients credit report after it
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