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Disputed collection gone, will it reappear??

Established Contributor

Disputed collection gone, will it reappear??

A collection account appeared on my report last month and i disputed it three weeks ago.. It got deleted on my transunion and my fako increased 30 points!!!! My real TU fico here was 658 last august before the collection showed up and am hoping its higher than that now.... my question is, would this collection reappear again in the future??? I cant believe a collection account would weigh so much in scoring...

Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
7 REPLIES
Moderator Emeritus

Re: Disputed collection gone, will it reappear??

Was the collection paid?  If not, then yes, there is a good chance of it popping on again, maybe by another CA.

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!

June 2017 update: All scores over 820, just pure gardening now.
Highlighted
Senior Contributor

Re: Disputed collection gone, will it reappear??

If you disputed and TU deleted, then it's gone, unless you never paid it.  The CA can rereport it, or they can sell it to another CA who can also re-report it. 

 

IMO, if I had the money and it was legit, I would pay it in exchange for a written agreement that it will never report again with any of the CRA's.

 

If I disputed it because it wasn't mine, then I'd just keep copies of my report now that it's gone and if it resurfaces, then I'd go crazy on that CA.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Frequent Contributor

Re: Disputed collection gone, will it reappear??

I'm dealing with this now. I disputed a debt in 2010 and had it removed (dispute was with the collection agency, not the bureau). It just popped up again by a different collection agency.

Current Cards: Banana Republic Visa ($5,300), Chase Freedom ($2,000), Discover It ($11,500), Amex Costco True Earnings ($5,000), Chase Slate ($2,500)
Moderator Emeritus

Re: Disputed collection gone, will it reappear??

Yeah, that's what happens with unpaid accounts.  Get a PFD out to them, try to get it off there again and this time it won't come back!

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!

June 2017 update: All scores over 820, just pure gardening now.
Valued Contributor

Re: Disputed collection gone, will it reappear??


kobe2012 wrote:
A collection account appeared on my report last month and i disputed it three weeks ago.. It got deleted on my transunion and my fako increased 30 points!!!! My real TU fico here was 658 last august before the collection showed up and am hoping its higher than that now.... my question is, would this collection reappear again in the future??? I cant believe a collection account would weigh so much in scoring...

First off, collections are major negatives and thus drops your score big time. Any and all collections will impact your score, and if you only have one, it will impact it a ton.

 

If the collection reappears with the same CA, they would be required to submit documentation supporting the reinsertion, and the CRAhas to notify you within 5 days.

 

If a NEW CA obtains its, they have to follow the same FDCPA and FCRA statutes as any newly listed collection, so if it is unpaid, then yes it can (and often will) come back...

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Regular Contributor

Re: Disputed collection gone, will it reappear??

I am in the same situation. The CA removed via a BBB complaint. The OC just verified the debt, but did correct the DOLA. Since it shows the debt was a charge off/or sold....then I can't pay the OC, right? Do I just have to wait for the next CA to appear or is there a way I can offer the OC a PFD?

Moderator Emeritus

Re: Disputed collection gone, will it reappear??

The debt more than likely has been sold and they cannot accept payment.  You will probably have to wait for a CA to pop up out of the woodwork to figure out who owns the debt 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!

June 2017 update: All scores over 820, just pure gardening now.