If you search through past threads you will see people talking about how mortgage apps cause reinsertion of negative tradelines and how all the CRA's have services that alert creditors when you apply for credit. Well I got a mortgage pre-approval last week and yesterday I got a letter from a CA offering a 24 month payment plan of 75% of the debt. Of course they didn't mention that it's probably out of the SOL and the tradeline is due to come off in less than a year. So far I haven't seen any reinsertions from past creditors that I have disputed. I check Experian a few times a week. I've also subscribed to TrueCredit, but haven't seen an email alerting me that a new tradeline appeared. I do need to pull a new TU report though to make sure it's still clean.
