Hello, I had a store credit card that went to collections and I paid it off about 3 1/2 years ago. Once I did that I requested them to take it off my credit report. Last month I pulled my credit report and it was not on there and I had a score of 607. Since then I have been added as a authorized user on a few of my girlfriend's accounts including the same store I was placed in collections for. This month I pulled my credit report again and the delinquent trade line was placed back on my credit and my score is now a 577. I have been trying to build my credit b/c as of right now everything is in my girlfriend's name but I am the one paying most of the balances and I am tired of building her credit. In the mean time no one will appove me for a line of credit even though I have made my bill payments on time or early, including paying off a car and a living room set. My question is can a creditor/store take something off your credit and then place it back on after the account has been closed? Thank You
Yes, they can report the collection unless part of your original agreement, which hopefully you have in writing, was that they would remove the negative mark forever in return for payment.
