5 Day Reinsertion Affidavit of Fact and Truth

A 5-day reinsertion letter is used in the context of credit reporting, specifically when an item that was previously disputed and removed from your credit report is reinserted. According to the Fair Credit Reporting Act (FCRA), credit bureaus are required to notify you within five business days before they reinsert a previously disputed item back into your credit report.

You would use a 5-day reinsertion letter if:

• After a Dispute Resolution: If you've successfully disputed an inaccuracy on your credit report and the item was removed, but later, you notice that the same item has been put back on your report.

• Lack of Proper Notification: If the credit bureau failed to provide you with the required notification at least five days before reinserting the disputed information.

This letter serves as a formal request for the credit bureau to provide you with the necessary documentation that justifies the reinsertion of the item. It's a way to ensure that the credit bureaus are adhering to the FCRA regulations and to protect your rights as a consumer. It can also prompt an investigation into why the item was reinserted and whether the reinsertion is valid.