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If you disputed items on your credit file and they were deleted by the 3 credit bureaus can the credit card company come back and try to put them back on your file?
Wiki User
∙ 17y ago
Usually not, they had t6heir shot and dropped the ball. However, you have to remember that the credit card companies pay the bills at the credit reporting agencies. There are a lot of shenanigans that go on. You need to visit www.ftc.gov and review a copy of the Fair Credit Reporting Act.
Wiki User
∙ 17y ago
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Can items that were disputed and then deleted be placed back on your credit file?
They can be, but it would be a mistake on the part of the credit bureaus. You can alert them to the problem and they are required under the Fair Credit Reporting Act to rectify the situation or face fines. A second scenario is that the accounts were disputed, during which time they cannot be reported on your credit, and then found to be valid. They can place the accounts back on your report but they should advise you that they're doing it.
Can a credit card company reopen an investigation on a fraudulent account if it was charged off and then was disputed and now has been deleted from your credit file?
If they have reason to believe the account was reported or disputed fraudulently or that new information has been discovered, they can investigate further.
What are the 3 main credit bureaus?
The three major credit bureaus are Experian, Equifax, and Transunion. Typically when a credit card company runs your credit, they will run it through all three credit bureaus.
How do you stop creditors from sending you bills to debts that were already disputed and deleted from your credit report?
letter of clairity
Can a a credit company file the same account twice on your credit report?
It happens and can be disputed. Call you credit card company or credit agencies.
When an account is deleted from a credit bureau do the other credit bureaus automatically delete it too?
only if you and your lender report it to the other bureaus
How can you get a bankruptcy deleted?
A bankruptcy can only be deleted by disputing it to the credit bureaus. Under the Fair Credit Reporting Act, the credit bureaus have 30 days to verify the listing or it must removed from your credit report. This will delete it from your court records only your credit report.
Can Court collections be removed?
Collections can be disputed to the credit bureaus using the Fair Credit Reporting Act. The credit bureaus have 30 days to verify the listing or the listing must be removed from your credit report.
Can items that were disputed and then deleted be placed back on your credit file?
They can be, but it would be a mistake on the part of the credit bureaus. You can alert them to the problem and they are required under the Fair Credit Reporting Act to rectify the situation or face fines. A second scenario is that the accounts were disputed, during which time they cannot be reported on your credit, and then found to be valid. They can place the accounts back on your report but they should advise you that they're doing it.
Can a credit card company reopen an investigation on a fraudulent account if it was charged off and then was disputed and now has been deleted from your credit file?
If they have reason to believe the account was reported or disputed fraudulently or that new information has been discovered, they can investigate further.
What are the 3 main credit bureaus?
The three major credit bureaus are Experian, Equifax, and Transunion. Typically when a credit card company runs your credit, they will run it through all three credit bureaus.
Can you remove bankruptcy from credit report?
Yes you can remove a bankruptcy from your credit report. You must dispute it to the credit bureaus using the Fair Credit Reporting Act. The credit bureaus have 30 days to verify the listing or it must be removed from your credit report. A bankruptcy should only be disputed if it is erroneous or inaccurate.
If the mortgage on your home was not reaffirmed after bankruptcy can the mortgage holder report on your credit report?
I can only speak from my own experience. It does indeed appear on our credit report and also states that the mortgage company is filing a claim against us--even though we did not reaffirm the loan. Completely wrong and I've disputed it many times with ALL the credit bureaus but they will not remove it. I'm not sure if there's a government organization that can help force the mortgage company to report correctly to credit bureaus or one that can force the credit bureaus to actually DO an investigation when you dipute it. No win situation, I'm afraid
How do you stop creditors from sending you bills to debts that were already disputed and deleted from your credit report?
letter of clairity
Can a a credit company file the same account twice on your credit report?
It happens and can be disputed. Call you credit card company or credit agencies.
Can a creditor remove a charge off?
Yes, a creditor can remove a charge off from your account and your credit reports. Credit bureaus can also delete charge offs from your credit report if they are disputed and not verified.
What is credit restoration?
Credit restoration is a process where you, a company or attorneys request that the bureaus (Experian, Equifax and TransUnion) validate that each account on your report is yours and is reporting accurately. According to law if the bureaus cannot provide this information the account must be deleted from your reports. However getting this done can be a bit tough if you don't know the ins and outs of the credit restoration field.Credit restoration can be done by yourself or by a company. You involves disputing your negative listings to each of the credit bureaus and waiting up to 30-45 days for them to verify the listings with the original creditors.
