I called experian to see the status of the disputes on my account(s). I got the usual still investigating. What really surprised me was when I asked what the remainig negatives were in my report I was told of a CITI charge-off that I know they deleted last month. I went off at them saying I would sue them for reinsertion without notification. In the process of holding, I ordered a new CR from EXP and the account was not there!? She got back on the line and told me that "It is still in their in-house report but will not be seen by potential creditors or reflect on my score". That sounds like something should be illegal about it, no? What do you think?
No. As long as they don't provide it to a creditor, no law has been broken. Remember, even when stuff drops off after 7 years, the credit bureaus still keep it in their files. This is done because some lenders, employers, insurers, etc, still have a right to see things that are older than 7 years. Bad stuff is never really deleted from the bureau files. It just gets hidden.
Re: Re: This must be illegal Too much is right on being able to hold stuff past 7 years for 3 specific reasons, but did it fall off from old age, or was it "deleted" because it was inaccurate/unverifiable? That would be a different issue.
