Reply
New Contributor
Home2014
Posts: 57
Registered: ‎07-10-2013
0

20 collections deleted from TU report today!

All were parking tickets disputed on-line through TU. My question:
Can they come back?? (don't want to celebrate too soon)
Chase Sapphire Preferred $10,000 | United Mileage Plus Visa $8000 | Bank of America Cash Rewards $5000 | Chase Freedom Visa $4800 | Citi AAdvantage Platinum World MC $3500 | PayPal Extras MC $3250 | Amazon Store $3000 | Quicksilver One MC $2500 | Walmart Discover $2000 | Merrick Bank Visa $1400 | First Premier Bank $300
Last App 01/10/2014... In the Garden until Fall 2014
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: 20 collections deleted from TU report today!

[ Edited ]

If they were removed due to nonverification with the OC and they later do verify, yes, they can come back.  But you would need to be notified by the CRA within 5 days of their reinsertion,

 

How old were they?

New Contributor
Home2014
Posts: 57
Registered: ‎07-10-2013
0

Re: 20 collections deleted from TU report today!

They are less than a year old and appeared just a few months ago.

So there is no time limit for them to verify?
Chase Sapphire Preferred $10,000 | United Mileage Plus Visa $8000 | Bank of America Cash Rewards $5000 | Chase Freedom Visa $4800 | Citi AAdvantage Platinum World MC $3500 | PayPal Extras MC $3250 | Amazon Store $3000 | Quicksilver One MC $2500 | Walmart Discover $2000 | Merrick Bank Visa $1400 | First Premier Bank $300
Last App 01/10/2014... In the Garden until Fall 2014
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: 20 collections deleted from TU report today!

+1

Or if the collection is sold to another CA, it can show back up that way.  Are the debts paid now?


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: 20 collections deleted from TU report today!

When you file a dispute through the CRA the creditor has 30 days to respond.  If not they are deleted.  If, at a later time, anyone can verify the debts as being valid, they can be reinserted.  The same creditor or another CA would have to go through the verification process and the CRA would need to certify they are valid.

New Contributor
Home2014
Posts: 57
Registered: ‎07-10-2013
0

Re: 20 collections deleted from TU report today!

Thanks all. I thought I had read somewhere in the threads that this could happen, but I couldn't recall accurately. The original debt is a government fine rather than money owed to a credit issuer so it is unliklely to ever be transferred (the local gov has a lenghty contract with a particular CA). I'm still glad its not currently reporting as I work to pay off each fine although I wish there was an option for settlement.

Chase Sapphire Preferred $10,000 | United Mileage Plus Visa $8000 | Bank of America Cash Rewards $5000 | Chase Freedom Visa $4800 | Citi AAdvantage Platinum World MC $3500 | PayPal Extras MC $3250 | Amazon Store $3000 | Quicksilver One MC $2500 | Walmart Discover $2000 | Merrick Bank Visa $1400 | First Premier Bank $300
Last App 01/10/2014... In the Garden until Fall 2014

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+