what do i do when an old good account disappears?!?

[Anonymous]

One day I noticed a very old good account stopped reporting, and then was completely removed from my report! 3 months later, another account from the same company (student loan company ACS) was removed and/or disappeared from 2 other credit agencies!

???!!!

I called the company 2 months ago and asked them to re-report it to the CRA's, yet they still have not done so, and my scores have suffered as a result. They are aware the account is current, in fact I am making payments on these accounts every month--so why would they just be deleted from my record? I did dispute them as never late before, and the creditor agreed to remove the lateness, but now 2 of the accounts are completely gone! I've called the creditor and the CRA's directly, but they can't seem to get the account reinstated on my CR's. Why is this such a long tedious process? If it's all electronic anyway, why can't they just submit the info electronically and have it update right away, or at least in a few days...what is with the delays?

It's really starting to piss me off...

[Anonymous]

Has the account been closed 10 years?

[Anonymous]

Thank goodness for very old good accounts.

bamf..........does your question imply that after 10 years, old closed accounts drop off automatically?

[Anonymous]

the account is not closed, but it has been removed 1 month ago...I am still making payments on the account. It should be listed as paying as agreed, and have balances

Message Edited by rifleman on 09-06-2007 09:25 AM

[Anonymous]

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@Anonymous wrote:

Thank goodness for very old good accounts.

bamf..........does your question imply that after 10 years, old closed accounts drop off automatically?

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Yes after 10 yrs of being closed a good account will fall off. A bad account will drop after 7 years.

[Anonymous]

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@Anonymous wrote:
the account is not closed, but it has been removed 1 month ago...I am still making payments on the account. It should be listed as paying as agreed, and have balances

Message Edited by rifleman on 09-06-2007 09:25 AM

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Are you sure something like a split file didn't happen to you?

[MidnightVoice]

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@Anonymous wrote:

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@Anonymous wrote:

Thank goodness for very old good accounts.

bamf..........does your question imply that after 10 years, old closed accounts drop off automatically?

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Yes after 10 yrs of being closed a good account will fall off. A bad account will drop after 7 years.

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So 10 years before it is due to drop off you need to open a new one to replace it 

[Anonymous]

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@MidnightVoice wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Thank goodness for very old good accounts.

bamf..........does your question imply that after 10 years, old closed accounts drop off automatically?

---

Yes after 10 yrs of being closed a good account will fall off. A bad account will drop after 7 years.

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So 10 years before it is due to drop off you need to open a new one to replace it

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That's why I open 20 accounts at once