The Reinsertion Dispute Kit (U.S. Based)

Understand how to respond when deleted credit items reappear — and how to take action the right way.

Sometimes, accounts that were previously removed from your credit report show up again — a process known as reinsertion. This kit helps you understand how reinsertion works, what your rights are under the Fair Credit Reporting Act (FCRA), and how to respond in writing when it happens.

You'll learn how to track the timeline, request proper documentation, and take your concerns to the appropriate agencies if the reinsertion was done without following legal procedures.

This product is for educational and informational purposes only. It is not legal advice and is not intended to function as a credit repair service. Results are not guaranteed. Always consult a licensed professional for advice specific to your situation.