When negative information is deleted from your credit report, the credit 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 the 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 they could reinsert an account. I’ve been in the credit repair industry for more than 13 years, serviced thousands of clients and I ‘ve seen less than five occasions that a negative account was reinserted back onto a clients credit report after it was deleted.
