Thank GOD this is over. I received an alert from myfico. The collection was deleted yesterday. 
@toi34 wrote:Jefferson Capital and Northland having been soft pulling my Ex since 2011. It wasn't until I applied for a mortgage in July that a few weeks later both sent me dunning notices for CO's from 2003 and 2004. Both collections are beyond the SOL and FCRA. I just sent C&D and as usual they went away.
But...
I wonder if there is anything consumers can do legally to prevent CRA's from sending CA's notice of mortgage app's? Aren't they supposed to be neutral agencies? Didn't EQ jusy get sued by the FTC for selling info?
www.optoutprescreen.com They do sell your info to others, but if you were getting soft pulls from them, then they saw when you were apped for that mortgage and pounced. There's really no way to stop that. You were just lucky it was passed the SOL and CRTP.
Here's an exerpt from EX's own page.
Customers who've gone into arrears usually become solvent again at some point in time. We'll monitor your debtor accounts and let you know when a customer's ability to pay has improved so you can immediately start working the account again and collect the unpaid balance.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.