Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 858
Registered: ‎06-26-2007
0

Reinstating Tradelines

Morning All,
 
It's Eve.  How do I get a deleted tradeline reinserted?
Regular Contributor
Posts: 186
Registered: ‎06-06-2007
0

Re: Reinstating Tradelines

Who deleted it?  If a good account you can call the creditor and ask them to report to the CRA's.
 
I've done that with BoA with a CC that wasn't reporting, she re-reported the same day and they showed on my credit reports about a week later. 
Established Contributor
Posts: 858
Registered: ‎06-26-2007
0

Re: Reinstating Tradelines

Hey CTRob,
 
Thanks for responding.  TransUnion deleted this TL and it was a mortgage tradeline at that from 1999 and I needed for it to stay I only asked that they get the wording correct as I did not put this in my bankruptcy to discharge, we actually continued paying on this mortgage until it was sold to another company..  I think this positive trade was helping my fico but the wording that said "included or part of Chapt. 7 BK" which it was not.
Regular Contributor
Posts: 186
Registered: ‎06-06-2007
0

Re: Reinstating Tradelines

I think you will need to request the original creditor to report it again.  Even tho it was on the report once before, I don't think TU will do anything for you.   
 
good luck
ctRob
Frequent Contributor
Posts: 489
Registered: ‎05-23-2007
0

Re: Reinstating Tradelines

Eve,
 
If the account was reaffirmed as part of the BK, the creditor can only report the TL up to the date of the BK. When I filed back in 1998 I reaffirmed two car loans that were never late and current and the Creditors stopped reporting my payments from my discharge date until I traded in the cars Smiley Sad
Highlighted
Regular Contributor
Posts: 186
Registered: ‎06-06-2007
0

Re: Reinstating Tradelines



chartley3 wrote:
Eve,
 
If the account was reaffirmed as part of the BK, the creditor can only report the TL up to the date of the BK.

Is that by law, or just customary?
 
I don't have any experiance with this, but just out of sheer determination I would still try with the creditor.  State your case, tell them what your trying to do with your credit, (for your family, your kids, your sick grandmother, blah blah blah) and that you could really use the mortgage tradeline on your reports.  If you have any kind of local office I would try to get a warm body to plead with, maybe even shed a tear or two....
 
My mortgage TL's only go back to 2004, but I know what you mean.  I cherish them dearly.   I would do anything before I made a late payment.  (well, almost anything Smiley Wink)
never give up,
ctRob
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.