How can something just diseppear from your cr

Were these positives or negatives? If negative (CA's or JDB's) they may have sold/transferred the account and had the CRA's delete their tradelines.

negatives

Have there been any recent inquiries posted to your reports? That may give you an idea if a new CA(JDB) is sniffing around your reports.

Is that "you never disputed with the CRA"? or you never disputed with the CA?

If you sent the CA a DV letter previously, then they probably removed the reporting from your CR. If you sent them a DV and they didn't validate, then for them to continue to report on your CR would constitute violations of the fair debt reporting act. Smart of them to remove it...and great for you!! That should help improve your FICO score.

i didnt dispute with anyone, i saw it on one copy, looked again today and it was gone, and i dont have any new inquiries on my credit report at all

Ah, after further investigation i do see a company called AR-CD-INTERSECTIONS
INTERSECTIONS
CD-INTERSECTIONS

All from this year, one from 3/12 and one from 7/17

AR= Account Review those should be soft inquiries but I'm not familiar with the creditor (CA?JDB)?

what is jdb?

jdb = junk debt buyer

I found in inquiry from "CD-Intersections" and one the day before from "Intersections". Of course they have no phone number. What is this business? I've got my Equifax acct set so nobody except lending institutions, the govt, etc. should be able to even make an inquiry. I really need to know who this CD-Intersections is & a phone number if you have one.

Intersections is the company that runs Identity Guard, an ID Theft prevention service.

"http://www.identityguard.com/credit_report/credit_report.html"

If that's the case, then it's probably the poster pulling his own credit report.