Collections disappeared over a year early

[Anonymous]

I had my last 2 collections, 1 paid and 1 unpaid, disappear from all 3 credit reports. Both were medical collections, with the same collection agency, (which handles most medical collections in my state) I have had a repayment agreement with this company for a couple of years for these and some other older medical collections that have already aged off my report, so it seems unlikely that they would have sold the debts, and one was paid off anyway. This company is known for not doing PFD

Last time I pulled my credit reports it showed the accounts scheduled to fall off in late 2022 and mid 2023, any insight on why they might have fallen off early and if I should expect to see them return? 

[Anonymous]

It is very possible that you do not have the dates correct. The time for a collection to fall off is from the date of your first default. It may be much earlier then you are thinking. It is not from the date it was turned over to collection. Therefore it is possible that your first missed payment was way before it was turned over to collection. I doubt it will return again.

Thanks

Mark

[Anonymous]

I'm going off what was listed on my credit reports as "approximate date this account will be removed from your report" when I pulled them from anualcreditreport.com, and those dates made sense based on when the medical bills in question were incurred. 

The fact that they fell off all 3 credit reports within a couple of days makes me wonder if the collections company removed them, rather than them being excluded by the CRAs. When older collections aged off, they didn't dissappear from all 3 reports at once. 

In any case, it's nice to see them gone. I hope they stay that way.

[gdale6]

Possible they lost collection authority on the unpaid one and when they submitted to remove you got lucky with the paid going as well. Now might be the time to settle with the OC before they send it off to another collector.

[Anonymous]

My husband checked his reports out of curiosity and the couple of accounts he still has from the same collections company are gone from all 3 reports as well. Is it possible the company had a glitch in their system and just didn't report them this month, and they'll show up again next month? I'm honestly not sure how that all works. 

[OmarGB9]

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@Anonymous wrote:

My husband checked his reports out of curiosity and the couple of accounts he still has from the same collections company are gone from all 3 reports as well. Is it possible the company had a glitch in their system and just didn't report them this month, and they'll show up again next month? I'm honestly not sure how that all works. 

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Not quite, that's not how it works. Once an account is reported, what may or may not happen monthly is an update to the tradeline. But for a tradeline to be gone completely, it usually means either it's past the 7 year derogatory reporting period and it was removed by the credit bureaus themselves, or if it's under 7 years, then that means the reporting CA pulled the tradeline because they either sold the debt again, or they just decided to stop reporting for some other reason.

[Anonymous]

That's how I thought it worked, it just seems really strange that they would have removed all of our accounts (we each had one or more paid accounts, and one unpaid account reporting with this agency, all different OCs) at once. We have been paying off the accounts slowly but steadily for a couple of years now, but like I said, they're known for refusing to do PFD so I doubt they'd just delete them all, including unpaid ones, to be nice. 

I guess I'll just take it as a win for now, but know that they might show up again later. (and look into paying the OC directly on the unpaid one) 

[FireMedic1]

Who are you talking about?