Two collection items randomly removed from all three Reports?

[Anonymous]

I had one private university tuition (NOT a student loan) and a medical bill on my credit reports up until April 2018 (last checked), that I was going to dispute. They no longer appear as of July on my reports (Equifax, Transunion, Experian). Its almost like they knew I could have them removed.

But I am also worried that they can simply report it to the CRAs down the line, just when I try to go for a home loan or such. Which I think is unfair. Basically at this point, I can't dispute them, becuase they are not on there, but I still need to be wary. How do I resolve this?

Please note that one of these is a Navient/General Revenue Corp items, and they just got sued by 4 companies. Looks like they are playing a waiting game at our expense.

[Schoolbuskid]

Are they accurate accounts that belong to you, or were they bogus?

Unfortunately, i dont think there is much you can do, since they are no longer reporting. 

Hopefully other will chime in with more experience. 

[austingal]

How old are they? If they fell off due to being 7 years old they cannot be put back onto your credit reports.

[Anonymous]

So this literally just happened to me with my medical bill collections. 

They were removed for a month and then recently I have this weird collection agency reporting for one of the medical bills just one. which now i can dispute. So i don't know if it's just they are removing it from one and sending it to a new agency or what but all of my medical bills have been removed. so i'd just keep an eye out for new collection names popping up.

[RobertEG]

Medical collections that are less than 180 days from the date of initial delinquency are being temporarily removed from consumer credit reports under the recent consent agreement between the CRAs and the offices of the AG of multiple states.  That policy is also set forth in the CRA-established National Consumer Assistance Plan.  

The CRA will reinsert once the debt reaches 180 days unless deletion is reported.

How old is the medical debt?

Additionally, the most common reason for disappearance of an unpaid collection that has not yet reached its exclusion date is that the collection authority of the debt collector has been terminated, either by termination of assigned collection authority by the OC, or if the debt collector owned the debt, sale of the debt to another.

CRA reporting policy instructs debt collectors to delete their collection if their collection authority is terminated and the debt remains unpaid.

A new debt collector will often report shortly after termination of a first debt collector.