Deleted Itme not paid

[from500to700]

If i have a collection account that was deleted from all my CR but it was not paid or setteled is there a way it will affect my score ? will it come back ? will a lender know about it ? 

Thanks 

[guiness56]

Why was it deleted?  Dispute? Age?

When you apply for a mortgage you are asked to disclose unpaid debt.

[from500to700]

I dispute and am not appling for mortgage am applying for an AUTO loan id it the same 

[guiness56]

If it was removed due to a dispute, yes it can be reinserted.  The CRA must insure it is valid before reinserting and let you know within 5 business days.

[DaBears]

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@from500to700 wrote:

I dispute and am not appling for mortgage am applying for an AUTO loan id it the same 

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The unpaid debt stays in your file until its paid.

[ktm214]

Is it possible to find out any unpaid debts that have fallen off after 7 years?  I'm sure that I have some and would like to offer some sort of payment, especially because I do plan on applying for a mortgage sometime by the end of year and because it is the right thing to do.

[DaBears]

you can call the CRA's and ask for your whole credit file. Mortgage lender will ask you if you have any unpaid debt and you will have to disclose it to them.

[ktm214]

In doing that, would it be ok to offer the companies a fraction of the amount, especially since it would be outside of my state SOL?  Or would that risk reaging the TL?

[guiness56]

Nothing can reage the TL.  If you offer a settlement the debt is considered paid and there is no suing SOL to restart.

I would just offer maybe 20%.

By the way, I think it is like $11.00 for your file.  It contains much more info than just the debt.

[DaBears]

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@ktm214 wrote:

In doing that, would it be ok to offer the companies a fraction of the amount, especially since it would be outside of my state SOL?  Or would that risk reaging the TL?

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Depends on who owns the account. If the OC owns it you can always send them a PFD or the CA a PFD. Under FCRA  they can not reage the TL. Big no no, some do and most of the time consumers dont know cause they are not monitoring their credit reports.