I did a pay for delete agreement with Professional Debt Mediation in April of 2011. The account was deleted from all 3 CRAs after agreement was completed.
I been having issues with Equifax not updating account information, missing accounts, etc...
I just received an updated Equifax file and this PFD Collection is back on there and "updated" 1/2012.
Why would this happen? Even though this acocunt was deleted somehow it has been lingering somewhere deep in Equifax database? Should I dispute with Equifax or contact PDM and remind them of our agreement?
Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
@randaljon wrote:I did a pay for delete agreement with Professional Debt Mediation in April of 2011. The account was deleted from all 3 CRAs after agreement was completed.
I been having issues with Equifax not updating account information, missing accounts, etc...
I just received an updated Equifax file and this PFD Collection is back on there and "updated" 1/2012.
Why would this happen? Even though this acocunt was deleted somehow it has been lingering somewhere deep in Equifax database? Should I dispute with Equifax or contact PDM and remind them of our agreement?
I would start with PDM. They may have "accidentally' 
re-reported this. I would remind them of the PFD agreement and send a copy of that agreement.
It could be split, yes. It has been before. This just stinks, because I had no idea which file creditors will see if I have an inquiry run. I may wait 30 days and go into my credit union and ask for a CL increase and see what they see.
@thankfulheart wrote:Could this be caused by a split file, MarineVietVet? Seems like I'm hearing more and more about them on EQ lately (including my own), so I'm wondering if their systems have had a wake-up call and merged a bunch of files?
I guess it might be possible. The more I learn about credit the less I know. 
@MarineVietVet wrote:
@thankfulheart wrote:Could this be caused by a split file, MarineVietVet? Seems like I'm hearing more and more about them on EQ lately (including my own), so I'm wondering if their systems have had a wake-up call and merged a bunch of files?
I guess it might be possible. The more I learn about credit the less I know.
Soooo true MarineVietVet...soooo true 
I am sure the file will change yet again, I just tried to view it online and I got this message:
System Temporarily Unavailable
We are currently unable to process your request.
Please try again later or click here to submit your request via our secure
Web Email dispute form.
We apologize for the inconvenience.
As I wrote the other day, Equifax sent me my credit report dated March 5, 2012 in the mail. I was happy to see all of my accounts updated to reflect balances and information up to February 2012. I was also happy to see that Equifax was now showing all of my missing accounts, including 2 AU credit cards.
The bad thing was 2 old collection accounts that were deleted in early 2011, were BACK on the file.
Was happy to see bankruptcy from 2005 gone and all inquires gone.
Just now I was able to view my credit file online for March 10, 2012. All of the updated acocunts sent in the mail are now showing information from October/2011. Many of my accounts are missing again. The credit inquires and bankruptcy is back. The collections are gone again.
Why do I have 2 different credit reports with different information? What the heck is going on and how do I fix this? Anyone know?