Disappearing collections

[mrshulkisloislane]

First I'd like to say thank you to all who contribute to this community! I've been lurking for months and with your advice have begun on the arduous yet rewarding road to credit recovery. Your advice has been immensely helpful. I was checking my reports/scores this a.m. and noticed some strange things that I'd like your feedback on. I have 4 collection accounts with Medical Data Systems all for the same hospital. Today 3 of the 4 have disappeared from all 3 bureaus. In addition to this 1 additional collection account from 2 different creditors also disappeared from Transunion and Equifax respectively. (T/U 3 med. data sys. and 1 tri county anest./ EQ 3 med data sys. and 1 IC syst.) The accounts weren't due to fall off until 2020. I didn't dispute them. I also reduced my utlilization on each of my cc bringing my total utilization down to 20%. No new inquiries, no new accounts opened, no new collections added. My TU score jumped 37 pts. EQ dropped 40 pts. and Exp. jumped 33 pts. Anyone with experience with Medical Data systems experience this? Why did EQ take such a dive? Could T/U and EQ have only intended to remove the 3 Med Data accounts and grabbed a 4th account by accident? What is going on?

[RobertEG]

Collections can be removed from a credit report for several reasons other than CRA removal based on a dispute or the collection having reached its credit report exclusion period of 7 years plus 180 days from the DOFD..

First, medical collections are now subject to a new internal CRA policy which removes any medical collection that is not at least 180 day after the DOFD.  That internal policy is to enable time for normal insuror processing delays on medical debt.

Second, medical collections are removed by the CRA if the debt is shown to have been paid by medical insurance.

Third, any debt collector can, at any time, voluntarily report deletion of their collection for any reason.

Fourth, if the debt collector has their collection authority terminated with the debt remaining unpaid, they are instructed under the standard CRA reporting manual to delete their reported collection.  That policy is to prevent two collections on the same debt in the event that a new debt collector obtains collection authority on the unpaid debt and reports a new collection.  A prior collection will, hopefully, already have been removed.

[mrshulkisloislane]

Thank-you!