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Can deleted items reappear on my credit report?

Credit bureaus will often temporarily delete a negative listing if they haven't heard from the creditor who furnished the data after approximately thirty days. This is commonly known as a "soft delete." If the creditor then reports late, say after six weeks, and then verifies the negative listing, the credit bureau will often reinsert the negative listing on the credit report.

Usually however, the creditor simply fails to respond, and the questionable negative listing is permanently deleted. In this case, the listing is unverified and by law should not appear on your report. If the item is verified by the credit grantor, either before thirty days or after, the account may still be challenged at some future time if you believe that it is still inaccurate, untimely, misleading, biased, incomplete or unverifiable.

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