On occasion, a negative listing that was recently deleted may eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to come back on once they've been deleted.

With Improve My Credit USA, should a questionable credit item be verified at a later point in time, we will help you challenge the listing again if there are legitimate grounds to do so and not additional charge! That's how our deletion warranty works.