Disputed items deleted - will they return?

[turninganewleaf]

I recently disputed some negative items on my credit report and just received word from the CRA that they have been deleted.

Now that they've been deleted, can they ever show up again on my report?

[Anonymous]

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turninganewleaf wrote:

I recently disputed some negative items on my credit report and just received word from the CRA that they have been deleted.

Now that they've been deleted, can they ever show up again on my report?

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If they are accurate and the creditor decides to rereport them they can show up anytime within the 7 year reporting period.  Keep the notification that they have been deleted. It could be that the creditor simply did not respond but if you are on their next upload to the bureau, you may see it again.

[Anonymous]

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turninganewleaf wrote:

I recently disputed some negative items on my credit report and just received word from the CRA that they have been deleted.

Now that they've been deleted, can they ever show up again on my report?

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Happens all the time...

[turninganewleaf]

And when does the 7 year reporting period begin?  These were very very old accounts...

[turninganewleaf]

What if they were paid charge offs?  Does it matter whether or not they'll return?

[Anonymous]

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turninganewleaf wrote:

What if they were paid charge offs?  Does it matter whether or not they'll return?

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In the case of paid chargeoffs, it is highly unlikely that they will return.  Once paid they very rarely bother to update the bureau oncethe status has been updated as paid

Message Edited by Brammy on 08-16-2007 10:26 AM

[Anonymous]

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Brammy wrote:

In the case of paid chargeoffs, it is highly unlikely that they will return.  Once paid they very rarely bother to update the bureau oncethe status has been updated as paid

Message Edited by Brammy on 08-16-2007 10:26 AM

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...Unless it's HSBC Auto......

[Anonymous]

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TexMontana wrote:

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Brammy wrote:

In the case of paid chargeoffs, it is highly unlikely that they will return.  Once paid they very rarely bother to update the bureau oncethe status has been updated as paid

Message Edited by Brammy on 08-16-2007 10:26 AM

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...Unless it's HSBC Auto......

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Now THAT I can believe.  Seems more and more lenders are taking it personally when a borrower defaults and taking extra steps to keeep blemishes on your report, even after its paid

[turninganewleaf]

That's a relief!  Besides, these items were deleted prior to the 30-day deadline.

Now, how long will it take for those deletions to reflect on myFICO?  I'm trying to get approved for a home loan but was wanting to wait until those disputed items were removed and all CRA's and myFICO notified and updated.  Should I wait another month before I pull all 3 myFICO reports to check accuracy?

[Anonymous]

Might wanna consider a more economical approach, like TC.

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&message.id=5457

There are also alternatives if you're sick of TC.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=34624