While you may have heard that it’s possible to remove incorrect items from your credit report, what do you do when there is a positive, correct account missing from your credit report? It turns out that credit card issuers and credit reporting agencies have no legal obligation to include items on your credit report, so you won’t be able to force them to put the item back on your report. This can potentially damage your credit scores.
All hope is not lost, however, because you may be able to get the item back by contacting the lender associated with the account and requesting that they report it again. Learn more about how items wind up on credit reports in our video with credit expert John Ulzheimer.