Can this come back?

[Anonymous]

okay another question.

when i began my credit repair journey i didnt follow the right steps. DH said pull your credit report before you do anything. i didnt listen.  i went off of all the collection letters i had in the mail.  well one of them was ASSET ACCEPTANCE!!  i called, set up payment arrangements and then said to myself, 'maybe i should pull my report' so i did and guess what it wasnt even on my report!! i was angry and so i cancelled the payments to them LOL

question is, can they throw this back on my report although it was gone but i did contact them.  it used to be on my report once upon a time.  Silly me, i was going by an old report and all kinds of stuff ended up being gone!!  anyone knows what the outcome of this may be?

[Anonymous]

What was DOFD or DOLA of the acct you are referring too???

[Anonymous]

Depends on the reason it is no longer on your report. As gator asked, what is DOFD. If it is past CRTP, then no, not legally will it re-appear.

If due to a dispute- it can but certain steps must be taken and you must be notified within 5 days.

If the CA removed on their own and it IS NOT past CRTP then I'd say yes it can re-appear.

[Anonymous]

last reported was 4/05.

 everything else is n/a

[Anonymous]

Do you know DOFD?

[Anonymous]

it says n/a this was like college Ive been out two years now so well over seven years but the report says n/a. I just wonder since I contacted them and set up payment can they re age it?

[Anonymous]

If acct is 7-7.5 yrs past DOFD it should be disputed as past CRTP period.  It is illegal to re-age accts.

[Anonymous]

so these scavengers did an inquiry on experian today. score dropped 5 pts! should  i be worried? is it coming back??! are those sharks reading this forum?!