Why my accounts in good standing getting deleted

[sghosh5]

This is happening in a row now. EQUIFAX deleted 3 of my Authorized Credit Card User accounts from my report each every day. I contacted all those 3 credit card companies and they mentioned they did nor delete any. Does anyone know why is this happening?

I read somewhere if you do too many soft pull on your report, the report does not have space to fit in accounts so it deletes accounts...is this true? if true then why deleting positive accounts. too weird to be true though. 

[DaBears]

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@sghosh5 wrote:

This is happening in a row now. EQUIFAX deleted 3 of my Authorized Credit Card User accounts from my report each every day. I contacted all those 3 credit card companies and they mentioned they did nor delete any. Does anyone know why is this happening?

I read somewhere if you do too many soft pull on your report, the report does not have space to fit in accounts so it deletes accounts...is this true? if true then why deleting positive accounts. too weird to be true though. 

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That would only apply to, to many inquiries. I would call them again and ask. They are the only ones that can delete a trade line without authorization from the creditor. Something doesn't seem right.  Who do the credit cards belong to? Ask them if they removed you. 

[sghosh5]

I pull my credit report from Equifax website every day. The accounts belong to my wife and she did not remove me as i can still log on to the accounts and use the credit cards on my name fine. The accounts are appearing alright on other 2 credit bureaus. 

[DaBears]

I would call EQ again and talk to a supervisor

[Shogun]

You're not trying to bump Inqs are you?  This happens quite often as a result of that.

[sghosh5]

Do you mean hard or soft pull? I pull my report every day from equifax website. If number of soft pulls force positive accounts to be deleted then that's ridiculous. Growth in database should not automatically delete valid data.

[sghosh5]

Also Equifax Complete Advantage Monitoring  Score Watch on MyFICO supposed to send notifications that the accounts are removed. I didn't get any notification. Very weird. I will wait till the dates when those credit cards report their statement balances

[DaBears]

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@sghosh5 wrote:

Also Equifax Complete Advantage Monitoring  Score Watch on MyFICO supposed to send notifications that the accounts are removed. I didn't get any notification. Very weird. I will wait till the dates when those credit cards report their statement balances

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Score Watch will not tell or let you know if a collection has been removed. If however there is a point difference it will send you an alert. 

[sghosh5]

I am not talking about a collection account. the accounts i am talking about are open & active positive accounts. deleting those 3 accounts did hurt my score drop 9 points right next day when i got an alert from score watch that my score is now 630. Next day i pulled my report from MyFICO and it showed my score is 621 and i checked the accounts are gone. I had 8 open accounts before. Now left with 5. 

Score Watch had been alerting me when a new account been added to report. So it wont alert if an open account is dropped which may hurt your score?? thats so inefficient. Also it did not let me know that my score dropped. Not a good monitoring tool. 

[DaBears]

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@sghosh5 wrote:

I am not talking about a collection account. the accounts i am talking about are open & active positive accounts. deleting those 3 accounts did hurt my score drop 9 points right next day when i got an alert from score watch that my score is now 630. Next day i pulled my report from MyFICO and it showed my score is 621 and i checked the accounts are gone. I had 8 open accounts before. Now left with 5. 

Score Watch had been alerting me when a new account been added to report. So it wont alert if an open account is dropped which may hurt your score?? thats so inefficient. Also it did not let me know that my score dropped. Not a good monitoring tool. 

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Score Watch monitors every 7-10 days. open and active accounts being deleted can cause a drop in score cause your AAoA is affected. Score Watch won't alert you of a open account being dropped only if it results in a drop in score which ties back into your AAoA. You can recover fairly quicky with new TL's being aged and having on time payments.