Myth # 2 - If a negative item is successfully deleted from my credit report, it will just come right back on my report.

The credit bureaus have cleverly spread this myth through the news media and government agencies. In truth, the credit bureaus will often temporarily delete a negative listing if they have not heard from the credit grantor for 30 days since an item has been disputed. Should the credit grantor submit verification a week or two later, it will be re-inserted. Most of the time the creditor simply fails to respond and the negative item is permanently deleted. If the creditor verifies the item the account may still be deleted later in the process as the challenging process is intensified.

There are Requirements Relating to Reinsertion of Previously Deleted Material as provided by the FCRA.

If any information is deleted from a consumer's the information may not be reinserted in the file by the CREDIT BUREAUS unless the person who furnishes the information certifies that the information is complete and accurate.

The bureaus must notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion.

A credit bureau shall provide to the consumer in writing not later than 5 business days after the date of the reinsertion

A statement that the disputed information has been reinserted;

the business name and address of any furnisher of information contacted and the telephone number of such furnisher

A notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.