Mortgage and Insurance

 

Hi guys –

 

 Back in August I completed a home buying seminar and they pulled a comb credit report. I am noticing a collection acct which is showing paid back in 2004. My issue with this line is

 

1) it doesn’t show up on my current credit reports that I have pulled, so is it affecting my score or not? I understand it could have fallen off but I guess I’m wondering if it shows up on this kind of report because it was pull related to a mortgage loan?

 

2) It appears they re-aged the acct, I have the exact same info showing up with a date of 2009. It states it was paid. I know I paid the acct back in 2004 not 2009.

 

3) Do I good will them? I kind of think I did before and that is why the acct in dispute. before it was paid.

 

Suggestions? Thoughts?