Closed Account Removed - Transunion

[dpsyche4]

I had a synchrony bank (care credit) closed charged off account that was removed from my report (transunion), that I paid through a CA, which was also removed from my report (transunion). I did not request this removal either, I just woke up one day and it was removed (YAY!). Also, it had not yet hit the 7 year fall off date, however, I am wondering if this is expected to fall off the other reports (equifax + experian)? Should I reach out to the bureaus to remove but with what excuse? I am almost scared to reach out to the creditor to request removal from the other two and have it resurface on transunion. Catch 22 here.. 

[thornback]

No, you should not reach out to the other bureaus (removal from one bureau is never a valid reason to dispute with the other two -- they do not care) and don't reach out to the creditor.    Sync apparantly began purging old derogs a while ago, deleting from all 3 bureaus.  But in some cases, even if the tradeline was deleted -- the debt was still sold to a collection agency (I guess perhaps depending on age of debt?) which began pursuing the debt shortly after.... 

Here's a thread (there are others -- you can search the forums for more):

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Synchrony-Self-Deleted-UPDATE-All-Sync-Negs-...

Congrats on the removal!

[dpsyche4]

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@thornback wrote:

No, you should not reach out to the other bureaus (removal from one bureau is never a valid reason to dispute with the other two -- they do not care) and don't reach out to the creditor.    Sync apparantly began purging old derogs a while ago, deleting from all 3 bureaus.  But in some cases, even if the tradeline was deleted -- the debt was still sold to a collection agency (I guess perhaps depending on age of debt?) which began pursuing the debt shortly after.... 

Here's a thread (there are others -- you can search the forums for more):

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Synchrony-Self-Deleted-UPDATE-All-Sync-Negs-...

Congrats on the removal!

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Thank you! Oh my goodness this is the best news I have read in a very long time. My score shot up 56 points on TU. I am keeping my fingers crossed for the rest of the bureaus to follow through on deletion - I know they're on their own time about updating. I have a second CO account with Synchrony that was paid through a CA. CA removed, I hope that one is next on their list to remove. Such a great way to start 2020 off!! 

[Anonymous]

Congrats and it is fun to log into a FICO/FAKO score site and watch your score climb.

[dpsyche4]

On Equifax I show one charge off account for Synchrony that is still pending deletion. This account does not show on any other bureau report do you recommend I reach out to see if they can remove it since they are purging? 

[thornback]

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@dpsyche4 wrote:

On Equifax I show one charge off account for Synchrony that is still pending deletion. This account does not show on any other bureau report do you recommend I reach out to see if they can remove it since they are purging? 

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No.  Just be patient and let the process play out.  Synch is purging by choice -- not becuause they have to so you have zero basis for a dispute or deletion request; think of it as a gift and just let it happen on its own. 

[Anonymous]

I received a letter from Synchrony saying they requested all the credit bureaus remove the account from my reports. I wonder what the score increase will look like.