 TITLE: Can Previously Deleted Items Reappear on My Credit Reports? CONTENT: Why a Deleted Item May Reappear on Your Credit Reports\n------------------------------------------------------\nA previously deleted item could reappear on your credit reports for a couple reasons. The dispute resolution process allows for information to be removed from a credit report if, in response to the dispute, the furnishing party cannot verify it or doesn't respond to the credit reporting company's request for an investigation within the time allowed by the FCRA.\nThe 30-day limit on credit report investigations doesn't require that a credit bureau permanently block an item from ever being re-reported if it is initially removed, however. For example, if a lender doesn't respond within its initial 30-day time limit, but then responds on day 35 that the disputed information is in fact correct, the item can be reinserted on the credit report.\nIf a furnisher never responds to a credit report dispute, the credit bureaus would remove the item. But if the furnisher re-reports the item to the credit reporting companies the following month as part of their normal credit reporting updates, the item could be reinserted.\nIf the credit reporting company accepts the reinsertion by the furnisher, they are required to provide a notice of reinsertion to the consumer within five business days of such reinsertion. END