FC deleted 3 years early (with all three CRAs )

[soe]

Yesterday I pulled all three reports and in going through the accounts saw that my foreclosure (Capital One (who bought out ING)) was not listed.

 

I last pulled a report and score on April 10, 2014 and it showed up there (EQ) and also showed up on credit monitoring reports in April, but it's gone from all three this month. My EQ report actually says, "You have no mortgage accounts."

 

The account had a DOFD of March, 2010, but the foreclosure was not finalized until April, 2012. TU has always reported it as expected to come off March, 2017.

 

I don't know what to think. I know Cap One filed an insurance claim because the insurer called to talk to me last month so maybe they got the insurance money and just put it to bed?

 

I did not dispute the account so that's not the reason it's gone. I've not had an unexplained score jump either.

 

Thoughts? I don't know if I should celebrate or worry. I mean, it's great if it really and truly is gone and as far as problems go, this is a good one to have, I just feel like there's another shoe about to drop.

 

Has anyone ever heard of a foreclosure being deleted 3 years early??