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Reappearing Accounts

If your credit report has accounts that have been reappeared after being previously removed, you may be a victim of an improper reinsertion of credit data. The Fair Credit Reporting Act (FCRA) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer’s credit report. The credit bureaus cannot reinsert this infromation unless it receives a certification from the data furnisher (the bank, credit card company, or debt collector) that the information is correct and then provides notice to the consumer that the information will be reinserted. If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, you may have a case.

If you believe you have been the victim of a reinserted credit item, call our toll free number for a free consultation, (888) 400-CREDit | (888) 400-2733.

Why Do Deleted Accounts Reappear on Your Credit Reports

If you have already written a dispute letter and had the negative account removed through the dispute process or credit repair, you may be surprised to see the deleted item reappear. Most often this happens when creditor or collection agency responsible for the tradeline has asked the credit bureaus to reinsert the information. The Fair Credit Reporting Act requires the credit reporting agencies to ask the data furnisher to certify that the information is both accurate and complete before the information can be reinserted. But many creditors illegally sidestep this requirement by altering account information that would allow the credit bureaus to block the negative information about the deleted account. Other creditors simply give false certifications. The end result for most consumers is an endless cycle of disputes and reappearances of inaccurate information or old debts.

If you have reinserted information on your credit report, we can help. Call for a no fee Zoom consultation, (888) 400-CREDit | (888) 400-2733.

Damage to Your Credit Score

While reappearing accounts can damage your credit history, the most common harm is damage to your FICO or credit score or Vantage Score. People who suffer from reappearance of deleted account information won’t be likely to get the credit they have earned and deserve and can spend countless hours trying to correct the original creditor’s mistake or the reinsertion by the credit bureau. Almost any kind of account can be reinserted, including collection accounts, late payments, and accounts beyond the statute of limitations. And when these negative items reappear, they may omit your past dispute information. Our experience shows that once a consumer brings a lawsuit over a reinserted credit item, the credit bureau will begin to look more seriously at the bad credit or charge off and will resolve credit reporting errors in order to avoid a judgment. Call now for legal advice and to find out if we can help in your time frame to have your reports showing only accurate information, (888) 400-CREDit | (888) 400-2733.

What a Credit Report Attorney Can Do For You

Our credit reporting lawyers can review your credit history and identify violations of the FCRA that harmed you, and them bring suit to get your report corrected, along with compensation for any credit denials and emotional distress. After your case is done, we will help you to regularly check and monitor your credit report, with free annual review of your credit reports to insure that you stay free of previously deleted account information that has been improperly reinserted. No matter whether the information is from an old identity theft, a debt collector, or just a past due account, we can help make sure that your credit file remains free from the previously deleted information. Our attorneys are familiar with the FCRA and the Fair Debt Collection Practices Act. Call now for help with your reinserted credit information, (888) 400-CREDit | (888) 400-2733.

Who are the credit agencies that have information about me?

There are four major credit bureaus that get information from lenders, debt collectors, and public record collectors. The Fair Credit Reporting Act (FCRA) requires that these credit reporting agencies provide you with a free copy of your credit report every year and to process credit report disputes within 30 days.

If you are looking for additional resources, you can get a free copy of your credit file from the Annual Credit Report web site. If you are ordering by mail, allow 35 business days for delivery.

For a more complete list of the companies that operate as consumer reporting agencies, you can see the list prepared by the Consumer Financial Protection Bureau (CFPB) at their web site: For more information on getting your free credit report, you can also visit the Federal Trade Commission (FTC) web site:

Where do you practice?

Our law office is located in Metropolitan Detroit, Michigan. We practice throughout the entire state, and we have been admitted to practice and made appearances in several other jurisdictions where we are not licensed: California, Connecticut, Florida, Georgia, Illinois, Kentucky, Louisiana, New York, Ohio, Oklahoma, and Virginia.

Disclaimer: If we are unable to practice in the state where your case needs to be filed, we can make a referral to another qualified credit report attorney near you.

If you are looking for an attorney to help in one of our service areas, call us toll free at (888) 400-CREDit| (888) 400-2733 or contact us now through this site.

Client Reviews

Attorney and Senior Paralegal Brandy, is Very professional and knowledgeable. She really went the extra mile, answering all of my questions in depth, and helped put my mind at ease. I highly recommend this law firm


Received a response in less than 24 hours; the attorney who called me was very patient, kind, and helpful. She listened carefully to my situation and explained the law to me in terms I could understand, including advice on how I might proceed. Many thanks!


Today, I stumbled across this law firm on the internet looking to have some questions answered for a pressing consumer protection situation. Brandy Moore an eartly angel and senior paralegal answered my questions. She was professional, knowledgable, polite and empathtic toward my situation. If I...


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