I found out why I have been getting the not so good pre-approved credit offers in the mail. There are some late payments on my credit reports which I know shouldn't be there. Getting rid of them shouldn't be a problem. After I get rid of them is there a chance they could reappear? I do check my credit reports every 6 months to a year, but am I going to have to contiually check (ie every month) to make sure that they are off the reports?
RE: Can inaccuracies reappear After they are removed, the first (approx) 4 months are critical. Many creditors send tapes to the credit bureaus each month or approx every 3 months to update accounts. If the bureaus removed the information & the creditor did not update their information before the tapes were sent, it could reappear. From my experience though, this has not happened. However, the lates that I disputed & had removed were on closed accounts. Hopes this helps some.
