Was it added back to the same Bureau I ask this because if you paid on it sometimes that provides a flag to other B's and so it will pop up on theirs?! If it's the same one you can dispute it and send a letter stating you already had it paid and worked out and ask they remove it again as now it would be invalid so you shouldn't have to pay it twice that would be ridiculous.
Well it's not that it hit your score twice, but just that when it was removed you gained the points back that it was keeping from you, and when it was re-added those same points were once again lost. It should theoretically be the same exact number of points lost/gained, assuming nothing else has changed on your report. That said, why did it get removed? Is it older than 7 years? Or did it just randomly fall off? Is it paid or unpaid?
@Anonymous wrote:
Yes added back to the same bureaus.
It was SYNC/CARECREDIT acct, how as MIDLAND FUNDING.
So, it sounds like the account was sold to Midland? And now Midland is reporting their own tradeline? If this is the case, then that's normal reporting activity. Original creditors will sometimes opt to delete their tradeline when a debt is sold or transferred to a collection agency -- and then the collection agency will begin their own reporting.
Good news is Midland will delete a tradeline after payment. So contact them and set up an arrangement, pay in full, or settle the debt so the item can be removed. You can look up your account on their website and see if any settlement offers exist, or view payment options: https://www.midlandcredit.com/help-center/credit-reporting/
Yea so from what it sounds like, it's not technically the same item. It's the same account, but as @thornback mentioned, it looks like Sync sold the debt, deleted their TL, and then Midland, the CA, began reporting their own TL.