Absolutely. If the person tries to prepare their own credit, they are held to a legally enforcable standard and time window where they have to respond to the creditor’s request. If the consumer failed to follow property procedure, their items will be temporarily deleted then restored months later. Since they did not use a credit restoration agency, they run the risk of the items showing back up again.
The credit reporting bureau will use what’s known as a “soft delete.” If you have not followed the proper procedure to get the negative listing removed, the creditor may report and reaffirm the negative listing.
Even if you have disputed a negative listing on your credit report, and this listing was confirmed by the creditor as accurate, you can still challenge the negative listing some other time in the future. You must believe that the item is inaccurate, misleading, untimely, unverifiable, or incomplete.
When you use a credit repair agency like ourselves, you can rest assured that every available legal means will be applied to get your items removed from your credit report. This is all that we do all day, every day. We know the in’s and out’s of the credit reporting system. Not only will we get your listing removed, in most cases, but we will have it permanently removed. It’s piece of mind for around $40 per month