https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Derogatory-Collection-Filed-on-Credit-Reports/m-p/3276216#M355299 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>So I just recently checked my credit report through Equifax and saw that my Derogatory Collection Filed was gone...? It was issued by PSEG around a year now because I forgot to make my final 2 payments on the electrcity bill in my college apartment. When I checked my credit report through TransUnion just 2 months ago, it was still there. Does this disappear after a year??? Or is Equifax just inaccurate?&nbsp;</P><HR /></BLOCKQUOTE><P>Has nothing to do with CRA accuracy whomever was reporting the info deleted it for whatever reason. Negative info can be left on ones CR for 7.5 yrs from the DoFD.</P> Wed, 23 Jul 2014 21:23:09 GMT gdale6 2014-07-23T21:23:09Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Derogatory-Collection-Filed-on-Credit-Reports/m-p/3275054#M355276 <P>So I just recently checked my credit report through Equifax and saw that my Derogatory Collection Filed was gone...? It was issued by PSEG around a year now because I forgot to make my final 2 payments on the electrcity bill in my college apartment. When I checked my credit report through TransUnion just 2 months ago, it was still there. Does this disappear after a year??? Or is Equifax just inaccurate?&nbsp;</P> Wed, 23 Jul 2014 14:15:01 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Derogatory-Collection-Filed-on-Credit-Reports/m-p/3275054#M355276 Anonymous 2014-07-23T14:15:01Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Derogatory-Collection-Filed-on-Credit-Reports/m-p/3276216#M355299 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>So I just recently checked my credit report through Equifax and saw that my Derogatory Collection Filed was gone...? It was issued by PSEG around a year now because I forgot to make my final 2 payments on the electrcity bill in my college apartment. When I checked my credit report through TransUnion just 2 months ago, it was still there. Does this disappear after a year??? Or is Equifax just inaccurate?&nbsp;</P><HR /></BLOCKQUOTE><P>Has nothing to do with CRA accuracy whomever was reporting the info deleted it for whatever reason. Negative info can be left on ones CR for 7.5 yrs from the DoFD.</P> Wed, 23 Jul 2014 21:23:09 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Derogatory-Collection-Filed-on-Credit-Reports/m-p/3276216#M355299 gdale6 2014-07-23T21:23:09Z