I had a collection account with EOS (att was original creditor) it was for $3100. I disputed this account online through Experian. After 30 days I received an email saying my credit report has been updated. This collection account is no longer showing up on my credit report. I just applied for a mortgage and the loan officer pulled all three credit reports and this collection account did not show up on any of them. I didn't mention it to him either. Now I am just worried that this collection account will show back up. What happens if this collection agency sells the debt, can it be added to my credit report again?
I also just received a settlement letter in the mail from them offering a one time payment option of $1300. Should I just pay this amount to satisfy the debt or keep my fingers crossed that it won't pop back up during underwriting?
