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Quick question regarding deleted collection

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Globalgirl
Valued Member

Quick question regarding deleted collection

I disputed a collection with all 3 CRA and TU deleted but the others were returned as verified. Is this normal? Should I notify the EQ and EX that TU deleted in the hopes that they will do the same? I have a letter from TU stating it was deleted.
Equifax: 6/2013 (647) / 10/2013 (647) / 11/13 (654) / 6/05/14 (725)
Experian: 6/2013 (673) / 10/2013 (684) / 12/12/13 (692)
TU Walmart: 6/2013 (683) / 10/2013 (693) / 01/2014 (704) / 06/05/14 (705)
Goal Score: 700 across the board


Message 1 of 8
7 REPLIES 7
chevyman
Contributor

Re: Quick question regarding deleted collection

Did u obtain a DV from the CA
Message 2 of 8
Rain77
Frequent Contributor

Re: Quick question regarding deleted collection

The others do not have to delete just because one did.  If this is not your debt or it's inaccurate, you can ask them for a MOV  http://ficoforums.myfico.com/t5/General-Credit-Topics/Method-Of-Verification-MOV/td-p/9859



Last HP 8/29/14

Message 3 of 8
Globalgirl
Valued Member

Re: Quick question regarding deleted collection

@chevyman no DV as I knew the debt was mine but they agreed to delete but would not send anything in writing.
@Rain77 I kind of figured that, just thought I'd ask. It was worth a shot.
Equifax: 6/2013 (647) / 10/2013 (647) / 11/13 (654) / 6/05/14 (725)
Experian: 6/2013 (673) / 10/2013 (684) / 12/12/13 (692)
TU Walmart: 6/2013 (683) / 10/2013 (693) / 01/2014 (704) / 06/05/14 (705)
Goal Score: 700 across the board


Message 4 of 8
Rain77
Frequent Contributor

Re: Quick question regarding deleted collection

GG -  If CA/OC agreed to delete - how much time has passed?  Also, you can always try contacting whoever said they would delete - since it came of TU, it seems they are holding up to their deal.  If it hasn't been at least 30 - 45 days, give it time.



Last HP 8/29/14

Message 5 of 8
Globalgirl
Valued Member

Re: Quick question regarding deleted collection

I paid the collection on 1/31/2013. The reason for the dispute was because it had not been deleted. I'll try contacting the CA and see if they will send a request to the EQ and EX. Thanks!
Equifax: 6/2013 (647) / 10/2013 (647) / 11/13 (654) / 6/05/14 (725)
Experian: 6/2013 (673) / 10/2013 (684) / 12/12/13 (692)
TU Walmart: 6/2013 (683) / 10/2013 (693) / 01/2014 (704) / 06/05/14 (705)
Goal Score: 700 across the board


Message 6 of 8
DaBears
Senior Contributor

Re: Quick question regarding deleted collection


@chevyman wrote:
Did u obtain a DV from the CA

CA's don't send out DV's. You send a DV to the CA

Message 7 of 8
DaBears
Senior Contributor

Re: Quick question regarding deleted collection


@Globalgirl wrote:
I disputed a collection with all 3 CRA and TU deleted but the others were returned as verified. Is this normal? Should I notify the EQ and EX that TU deleted in the hopes that they will do the same? I have a letter from TU stating it was deleted.

Each CRA's has there own method and policy to verify TL's. Most of the time if you iniate a dispute online it will go through e-oscar and will come back verified. Sometimes they will call to verify. If TU deleted you can't notified the other two of what TU did, seperate systems and policies. 

Message 8 of 8
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