Where did it go?

Re: Where did it go?

• Erikan73 member

  

  August 2013

  I know things do fall off after a certain time. What about checking on it in another month or two to see if it's still gone. Or order credit report through another source to confirm what is or isn't showing. I totally get where you are coming from and would be happy but nervous too until I confirmed because you don't want it to come back to haunt you later....Good luck!!

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• Janessadawn member

  

  August 2013

  I worked with credit reports as a consumer loan officer for 3 years, so I can help answer this. If collections have disappeared then yes, they have dropped off. This is 7 years from the date of last activity (probably the date you paid it).
  
  If you didn't see it on his credit report, it could have been that the report was pulled from a bureau that the collection(s) weren't reported to. That said, avoid FreeCreditReport.com. They sucker people in with their "free trial," banking on people who forget to cancel. Please use AnnualCreditReport.com, and make sure you pull reports from all 3 bureaus--Experian, Equifax, and TransUnion. You will see ads during the process, but you can navigate past them and will not have to provide any payment information.
  

  

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• Wulfgar member

  

  August 2013

  I can't believe how many "financial" experts out there push FreeCreditReport.com and they give you a blank stare when you tell them that you can get the credit reports for free.
  
  The last one that I sat through was all about credit score not realizing that if your credit history is messed up your credit score will be lower.
  

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• KTdidit member

  

  September 2013

  Janessadawn said:

  I worked with credit reports as a consumer loan officer for 3 years, so I can help answer this. If collections have disappeared then yes, they have dropped off. This is 7 years from the date of last activity (probably the date you paid it).
  
  If you didn't see it on his credit report, it could have been that the report was pulled from a bureau that the collection(s) weren't reported to. That said, avoid FreeCreditReport.com. They sucker people in with their "free trial," banking on people who forget to cancel. Please use AnnualCreditReport.com, and make sure you pull reports from all 3 bureaus--Experian, Equifax, and TransUnion. You will see ads during the process, but you can navigate past them and will not have to provide any payment information.
  

  Can you check annualcreditreport.com frequently or is it just a one-time deal?
  

  
   
  

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• queenofhearts1728 member

  

  September 2013

  kaholland4 said:

  Janessadawn said:

  I worked with credit reports as a consumer loan officer for 3 years, so I can help answer this. If collections have disappeared then yes, they have dropped off. This is 7 years from the date of last activity (probably the date you paid it).
  
  If you didn't see it on his credit report, it could have been that the report was pulled from a bureau that the collection(s) weren't reported to. That said, avoid FreeCreditReport.com. They sucker people in with their "free trial," banking on people who forget to cancel. Please use AnnualCreditReport.com, and make sure you pull reports from all 3 bureaus--Experian, Equifax, and TransUnion. You will see ads during the process, but you can navigate past them and will not have to provide any payment information.
  

  Can you check annualcreditreport.com frequently or is it just a one-time deal?
  

  I was always under the impression it was a once-a-year deal.

  
  

  I actually have a membership through experian.  I pay $8 a month to view my report as many times as I want, and I can view all 3 bureaus plus scores every 3 months.  Some people might not want to pay for it or think its a rip-off... but just the fact that I'll get notified every time something new pops up makes me feel a lot better. I can catch anything amiss right away.

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