Epic Contributor
Posts: 20,196
Registered: ‎03-19-2007
Re: Tu keeps deleting derogatory accounts when new tl are added

I have not heard of CRAs deleting, on their own volition, accounts that are less than 7 years from closing date.  Their 10 year informal policy from closing date is based on retaining accounts that may still have CR exclusion period derogs remaining, all of which are at least 7 years.


I would suspect that the creditors have most likely reported deletion rather than the CRAs doing administrative deletions.

Creditors have reason to delete.... it eliminates any hassle on derogatory accounts, as no disputes can thereafter be directed to non-reported information.

But just my speculation....  have you contacted them and determined if the creditors reported the deletions?