Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Karma
Profile Image

Question By
529dc

0 Contributions
0 People Helped
If an item is disputed and then deleted from report can they still try to collect?
Deleted item still shows open.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
5038 Contributions
1136 People Helped

If the account is deleted, then it should be gone from your credit reports and not be shown as open. So there is some confusion there. Maybe check your credit reports directly from the credit bureaus. As for your other question, even if a collection is removed from your reports, the company can still try to collect, that is where a "cease and desist letter" comes into play, so do some reading on that.

Top Contributor
1006 Contributions
557 People Helped

Question would be for what reason(s) for disputing and the reason(s) for deletion. Because the account wasn't yours or was because some technicalities?

-

If it was deleted for the wrong ownership? Then any further contact from them "could" deemed as harassment. If it was some other reasons, they can still try to collect, however if it past the Statute Of Limitation (lawsuit), Then they have no teeth in their attempts, they might re-report it to CRAs, or sell it to another CA then they might report it, you would need to dispute it again when they do show up later.

-

By the way, how can a item was deleted and still be visible?

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.