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When a creditor removes an item from your credit report Charged?

The quick answer is: The answer depends on why it was removed in the first place The good news is that it was removed by the Original Creditor. Meaning that no other 3rd Party was involved how or why it was removed. Without any further details what I can say is that its highly unlikely that the Original Creditor would discover new information that would be able to legally justify it being reinserted into your reports.