All Collections
Credit 101
Why did my Boom tradeline disappear?
Why did my Boom tradeline disappear?
Team Boom avatar
Written by Team Boom
Updated over a week ago

Credit bureaus have a process in place to either close or delete rent reporting tradelines if there is inactivity (no rent payments reported) for a certain period of time. Whether the tradeline is closed or deleted depends on the number of on-time payments the credit bureaus received prior to the start of the inactivity.

Experian

  • Closed

    • If Experian received rent payment data for 3 or more payments prior to the start of inactivity, then they will close the tradeline

  • Deleted

    • If Experian received rent payment data for less than 3 payments prior to the start of inactivity, then they will delete the tradeline

Transunion

  • Deleted

    • If Transunion does not receive updated rent payment data for 180 days, then they will delete the tradeline

Equifax

  • Equifax does not close or delete tradelines based on inactivity

Did this answer your question?