Is this allowed?

[Quizzle23]

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

[30daylate]

Yes they can. They can list anything for up to 7 years after the debt becomes 180 days late. I would send them a letter asking for them to take it off your report out of the goodness of their hearts since you still have a business relationship with them.

[Hal Jordan]

I would also remind them of their agreement to remove it from your reports via your agreement for PFD you had earlier.

Since you're an authorized user on your girlfriend's account I don't see how they can intermingle your old account with hers even though you're an authorized user. To me these appear to be two seperate accounts and should be considered seperate of one another.

I'd definitely contact them.. but be nice about it. Pissing someone off by being rude will get you absolutely no where.

[Lian]

If the CR deletion occured as a result of a prior dispute, then the creditor can reinsert the information only if they submit a certification to the CRA that the information is complete and accurate. FCRA 611(a)(5(B)(i).
Obviously, if the resoltuion of the prior distue found the information to have been inaccurate, they could make such certifcation.
If information was previoulsy deleted as a result of a disptue and is reinserted, the CRA must provide you written notice to that effect within 5 days of the reinsertion. FCRA 611(a)(5)(B)(ii).