when something says deleted on your credit report does it come back?

Question

in may I received two different credit reports.The first one said that an item was deleated and 3 days later another one was pulled and it didn't show up. it' not due to fall off until this month (november). Has it really been deleted or was it temperary. I was going to check at the begining of the year. If it wasn't deleted and it doesn't fall off how do I dispute it so I can get it off because it is supposed to fall off after 7 years I believe

I still receive letters stating that I still owe the company and they want to settle but I fon't want to pay them if it's not on my credit or is due to fall off soon.

Answer 1

You did not specify why it was deleted in the first place? Have you disputed it? If it felt off by itself then its unlikely it is going to reappear. If it was removed because of your dispute then it can be reinserted if a) reporting agency is provided with a proof of the item by the creditor; b) reporting agency notifies you within 5 days that the item was reinserted.

Do not confuse owing your debt with reporting of your debt. 7 years reporting limit is set by the federal Fair Credit Reporting Act. A Statue of Limitation (the period of time during which your creditors can sue you) is defined by your state laws and can be between 4 to 15 years.

Answer 2

Well I'm confused. Is the item there or not? Negatives fall off your report 7 years and 180 days from the default date. If the item already dropped off, it's highly unlikely it will come back. However, if a collection agency buys the old debt and tries to re-age it, you can just send a dispute to the credit bureau, saying the item is beyond the 7 year reporting period.