Sample 5 Day Reinsertion Letter

Sample 5 Day Reinsertion Letter

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It can be a tremendous relief to get an account removed from your credit report that's getting reported fraudulently, inaccurately, or in error. You identified the inaccurate information, notified the credit reporting agencies, and, to your delight, your credit has now improved. The incorrect information gets removed from your credit profile.

Except that the change is temporary, the same inaccurate negative information appears soon after the negative information was removed. This is called "reinsertion," and it's a violation of the law and it occurs all the time.

If an item gets deleted and it's reinserted later, the FCRA requires that the CRA send you written notification of the reinsertion within five days. They never send that notification. When you contest the reinsertion, you may want to include paperwork showing that the mark was previously contested and removed.