The CRAs, in order to ensure compliance with the maximum credit report inclusion period, will often exclude collections prior to the full 7 yrs plus 180 days from DOFD maximum period. So that might be the reason.
Debt collectors also have their reasons for deletion of prior reporting. If no longer actively collecting on the debt, their collection authority has been terminated, or they have sold the debt, it is often in their business interest to simply delete prior reporting.
Having deleted, they no longer have any information that the consumer can dispute as inaccurate. Thus, no time and expense in any future need to investigate and respond to any potential consumer dispute.
