What's up guys! I've been bugged out recently so I'd like to share this with you all.
I have one collection account listed on my TU and EX reports from 2018, but the delinquent date is 2016. TU has it reported due for deletion on 6/2023 and EX on 4/2023. However, on 4/2022, I noticed the account dropped off my EX report. I thought it was weird and that maybe the CA (Portfolio Recovery) sold the debt file to someone else and it would surely appear back on my report shortly.
It's now almost 2 months later, end of May, and the report still doesn't appear on my EX. In fact, it just updated on my TU report on May 9th. It's obvious that the same CA still has the debt and is still reporting it on my SS#, however, it's only reporting on my TU now. It never reported on my EQ whatsoever so I always had a squeaky clean EQ report.
I find this case very strange for the simple fact that it dropped off my EX in April, exactly one year before due for deletion, and it's still reporting (freshly updated) on my TU. Has this happened to anyone else? I'm still expecting it to pop back up eventually because it seems too good to be true. But I also don't believe in coincidences and the fact it dropped off on 4/2022 has me wondering if EX has something to do with it?...
What do you guys think?
@ls2016 wrote:It happened to me as well! I too had an account that was supposed to drop off Feb. 2023, but in Feb. of this year, it disappeared off of Ex. and has not reappeared. It was my last baddie on Ex. So, now that report is clean, while Tu and Eq still shows the account. I think it's something Experian has implemented on the end, possibly.
Yup, it def seems that way! 12-month automatic early exclusion! This is amazing!