08-17-2013 07:55 AM
08-17-2013 08:25 AM - edited 08-17-2013 08:25 AM
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?
08-17-2013 09:08 AM
08-17-2013 09:34 AM
Or if the collection is sold to another CA, it can show back up that way. Are the debts paid now?
08-17-2013 10:26 AM
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.
08-18-2013 09:40 AM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.