Reporting Question

[Anonymous]

Why do some accounts completely disappear from one report but continue to get reported on others.  I have several accounts--both in good standing and not in good standing--that are old and have disappeared from 1 or 2 reports, but are still being listed on 1 or 2, even though the last date of report on that account is more than 2 years ago.  Did that make sense?  Hope so.  I just want to understand what causes some accounts to drop off of some reports completely but not all even when the company is no longer reporting them any longer.  If I can figure that out, maybe then I could figure out how to get them off the remaining reports without damaging myself. 

Thanks.

[Anonymous]

I wish i had a good answer for you-

My Oldest account is scheduled to drop in Sept- EQ dropped it June 1

I have a mortgage (never late) paid off 4/2004 EQ removed it late 2006 and I can not get them to - re-insert

Some of it makes sense- much of it is a dice roll.  

[Anonymous]

Thanks Timothy.  I guess it's about the CRA internal system, which we'll probably never understand.  If anyone out there happens to work at these places and can share some insight about what's going on, it would be much appreciated.

[RobertEG]

CRAs are only regulated by what they cannot put in your CR (eg. lates over 7 years from delinquency), and are not regulated as to what they must list.  The credit industry lobby is stronger than any member of congress, and thus have exemption from usuory laws and other main line credit control regulations.  What they include is what is convenient.