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On occasion, a negative listing that was recently deleted may eventually be verified by the
creditor. The Fair Credit Reporting Act (FCRA)
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.
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