Carlos Posted December 3, 2004 Report Share Posted December 3, 2004 Dsiputed two lates on 14-yr old mort (a fixer upper that I am some roomies liveed in,during college, sold as a fixer upper as well so dont get the impression I can aford a mort) In any case CRA just simply deleted it. Can I get it back Which rule applies:7 purge derog after 7yrs or10 account info remains for 10 yrs (and they just deleted because they are too lazy to investigate???Score jumped 10 pts but also now indicates # of accts as neg. Link to comment Share on other sites More sharing options...
DocDon Posted December 3, 2004 Report Share Posted December 3, 2004 Are you sure the OC didn't request it be deleted or simply failed to reply to the investigation? Link to comment Share on other sites More sharing options...
Carlos Posted December 4, 2004 Author Report Share Posted December 4, 2004 DOC,I have no idea who did what?what concerns me is:1) loss of some of my oldest established credit. 2) loss of mix of credit (ie revolv+install vs revolv+instal+mort)as I indicated the overall score jumped 10 pts with the deletion of just a couple lates (on the same account) that were over 10 yrs ago. However the PG report indicates thats I do not have enough accounts, as a negative factor, after this deletion. I was just wondering could I get this info put back or is it even worth the effort. Link to comment Share on other sites More sharing options...
DocDon Posted December 4, 2004 Report Share Posted December 4, 2004 If the account was closed and old, chances are the OC did not respond and it was auto-deleted.To get an item reinserted, you have to take it up with the creditor. Link to comment Share on other sites More sharing options...
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