Positive information can appear on a credit report indefinitely. But not always as your message points out. I do not know why the credit reporting agencies (CRAs) removed your positive history. There is no penalty in the Fair Credit Reporting Act (FCRA) for CRAs if they remove positive credit history from a credit report. The only general requirement the CRAs have is to provide accurate information. In your case, you would argue that deleting positive history makes your credit report inaccurate, but to my knowledge this issue has not been litigated.
Only the bank that held your mortgage can add the history to your credit report. There is no way for you to do so. Under §611(b) of the FCRA, you can add a consumer statement to your credit report. See How to Add a Statement to Your Credit Report for instructions on amending your report.
To learn more about correcting information in a credit report, see the Bills.com resource Credit Report Errors.
I hope this information helps you Find. Learn & Save.
Best,
Bill
www.bills.com/
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