msfdisk

Alright Squad, the GW letter to Girouard had the exact same reponse.... Any other thoughts or ideas ?

Here is the Executive Team. https://www.comparably.com/companies/upstart/executive-team Who would be best to send GW letter to ?

Has anyone had any success with Upstart removing a late as a GoodFaith ? This is the ONLY payment that is NOT on AutoPay (since fixed that) I was 32 days late and COVID/Sick for the entire month and completely forgot about this. I emailed and snail mailed a homemade GF letter and was denied. Dropped my score 90 points. I was about to purchase some investment properties with a partner in <60 days and that requires a 720 score. Thoughts ? Not looking for smart comments, just ideas on how to accomplish a successful late removal.

I was able to view documents in Midland's site 6/2015 was last payment to OC. Charge Off was 4/2016

I'm assuming its within SOL. The original debt only shows on 1 report and I posted that in my original post. I've contacted the original creditor and they no longer have any info pertaining to my original account since its been sold. Short of contacting Midland themselves, I'm not sure how else I would know if this is within SOL.

I just checked and my score went down 48 points. Midland keeps reporting every 2 weeks (or sooner) I cant add the screen shot but they have reported 7/23/21, 8/7/21, and 8/13/21. What the heck? Basically since the debt sounds like its within SOL the only way to have this go away is to negotiate with Midland ? I was about 5 days from applying for a HELOC for some home reno's and I think this will prevent that from happening....

The original debt or creditor doesnt show at all on my CR's. Now only the collection. Which is 100% of the balance at the time of account closure. I guess my question was specifcally if the Collection Agency is within SOL to collect. If so, I think I'm forced to work with them.

One of my CR was showing the closed date of 2015 and last payment 2016. I dont remember if I made a payment or not at that time. I have moved in the last 2 years, however Midland also hit me up last year with another collection that I've since paid off. This is the last one from that time frame, or ever. This is the first time I remember anyone being involved with this debt. I live in Michigan. I rec'd an alert from 2 CR agencies and Lifelock.

Midland must have bought a Charged off Account. The last year they kept submitting it monthly as late with a balance, etc. I'm trying to find an older report to verify, meanwhile. I just got an alert that they have added this account as a Collection on my CR's. Mind you, I've never once received anything from Midland stating they bought the account or a letter asking for money, nothing. Showing on my CR: Sync/Amazon Opened the account 12/17/10 Status: Charged off Date Closed: 10/05/2015 Last Payment Date: 02/14/2016 Midland is now reporting as a Derogatory Account opened 3/2021 and reported 7/2021 Adding this collection tanked my score by 70 pts. What are my options ?

Isnt the arbitration agreement between myself and Synchrony ? not myself and Midland? I'm just trying to get my ducks in a row before moving forward.

They did provide a copy of my last Art Van Statement. I also called Art Van and they said Midland is collecting for them.

SWEET THANKS !!! If they dont arb. do they remove from CR? Will this work for other accounts that are charged off? Amazon and BofA. Neither are in active collection, however.

I found this: https://www.jamsadr.com/about/submit-a-case Only print and mail. Is this what you were talking about? Arbitration.

the envelope they used also is not post marked.... I just checked.....

Of course I get a letter in the mail today dated 5/24 stating I have until 6/18 to respond or they will file with an attorney. I found: https://www.jamsadr.com/about/submit-a-case And I would have to mail in an arb form. Is this accurate?