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  1. I have two collection accts. with Midland. One is for $870 and the other for $940 or so. I have disputed (the original amounts were incorrect) and they came back corrected and verified. Should I attempt PFD? If that's a no-go, should I PIF or just try to settle for a lesser amount. They send me offers every few months to settle for around $540 each. It's another 3 years before they SOL is up and I'd like to get them off/paid before then so I can get my credit back in order.
  2. Just a note: I've already opted out, I've requested old addresses to be removed, I've ordered paper reports - I do have a TU from online as a 'summary' for now. Today I received a letter from Midland/MCM that they are the new owner of my Credit One credit card with a balance of $648.17. I'm about 120 days behind and I guess they sold it. I do owe the money. That said....the letter states they are the new owner and considering forwarding this account for possible litigation. If they don't hear from me by 12/15 they'll proceed. To stop from continuing I need to mail $300 or ca
  3. Had a collection with Midland pop up for an old Orchard Bank card. Account was outside SOL, sent FOAD letter. Below is the response I received: ___________________________________________________________________________________________________________________________ Dear David, The purpose of this letter is to advise you that you did not provide sufficient information to investigate your dispute of the credit reporting of your above-referenced account pursuant to the Fair Credit Reporting Act. We understand you are disputing the accuracy of our records concerning the above refer
  4. I just got a Midland tradeline deleted from my credit reports. I first submitted a DV and Midland quickly validated (the debt was legit). I called Midland to settle* -- I offered to pay in full ($200) if Midland agreed to delete the tradeline from my 3 credit reports. They refused, saying they would only update the tradeline to paid in full. I ended up walking into a brick and mortar T-Mobile store and asking to check on the status of an old account I had with them. The T-Mobile agent told me the account had been sold to a CA, but I asked if he could call customer service and see if
  5. First, I would like to thank everyone here for sharing your wealth of information. I just signed up a few days ago and have been lurking for about 2 weeks. A little about me. I walked away from everything approximately 6 years ago in order to leave an abusive relationship. I had a house, a car, a few credit cards and a few other outstanding bills. I knew my credit was going to be trashed, but I didn't much care. I have essentially been living without any credit since then. A few weeks ago, I decided to try and rebuild my credit and that is how I ended up here. I have been reading the
  6. I was preparing to send a FOAD letter to Midland regarding an old HSBC account. The DOFD was May 2009. What worries me is I currently reside in Maine, where SOL is 6 years. HSBC account was Nevada (4 Years). HSBC accounts were acquired by CapOne in Virginia (3 years). I was living in Pennsylvania when the account was opened (4 years). Surely moving to a state with a longer SOL, after the SOL had already passed, does not suddenly reopen the window for litigation? How do I know what applies?
  7. I had another post but thought it may be best to start a new one with this information. I disputed Midland's collection on my TU report and this is what is now written as a note: "Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)." So basically they verfied the debt but that doesn't mean that it's validated correct? I could send them a DV letter? I'm still reading up on boards every chance I get. This debt is the only negative on two of my reports (besides some late fees). Midland is currently NOT showing on my EQ report (that one
  8. Hello, I could not find a simple Validation Letter, i have used and modified one before, just cant find one. I have a Midland Funding collection that i need to mail them a letter to validate the debt. The debt was paid along time ago. I have not received any phone calls or letters, its just reports to the bureaus. Its for a old capital one that was paid years ago. Any suggestions on letter?
  9. Does anyone know how a cell phone bill is classified? I have been googling for days and have yet to find a clear answer. The statue of limitations in my state is 10 years for written contracts and 3 years for open accounts. I have a 3.5 year old cell phone bill in collections (Midland) and I desperately need to know if the SOL has run out on this. Thank you.
  10. I have an issue that I need help on in Louisiana. These are the relevant facts: Had CC with $16000 balance that is past the SOL for 2 years. (SOL in La is 3yrs) On Report it indicates as Charged Off since June 2011. Last payment was made on February 2009. Over the period until 2012 there were numerous CA's sending letters but no legal action. No reports to the Credit Agencies. Chase sold (?) it to Midland Mortgage in July 2013. Midland sent letter stating that the balance was owed and they turned it into what appears is a credit account with an interest rate of 17.6%. I did not respond
  11. I have 5 baddies remaining on my credit report. All 5 are PIF, and all are going to fall off within the next 10-15 months. 2 of these are from OC's and from what I can tell are VERY unlikely to be removed early (Amex and BOA). The other 3 accounts are all Midland Credit Management. They are all CO's that were PIF before I discovered that you can negotiate for a pay for delete with the collection agencies (boo...). I have done some research online and it seems that MCM is one of the worst CA's that can hold your account. I have called MCM 4-5 different times and spoken with 3 levels of supe
  12. First off DV Letter went out like 24 Days ago. Nothing from them yet... The OC I was able to get deleted off EQ TU I'm out of sol Also does it hurt my worse that they always Update the report every month? Any advice to a veteran newbie... Account Name MIDLAND FUND Account Number 853270**** Condition Derogatory Responsibility Individual Current Balance $632 Original/Balance$427 Status 9 Original Creditor Opened 0 9/08/2009 Reported 05/19/2014 Remarks Placed for collection
  13. Hello to all my CB fam! So I'm in the process of looking for my first home to purchase. I have an approval for my mortgage loan and the only thing they are requesting is that I pay off the only collection listed on my credit file. The collection is a Midland/T-Mobile account for $470 from 2010. My question is how should I proceed with this? Originally it was two accounts listed, but when I applied for new T-Mobile service in November it disappeared from two bureaus completely and only one account is listed on Equifax now. Any help is greatly appreciated.
  14. I received a letter from Midland Credit Mgmt stating they are "the new owner" of xxx account and that MCM, "a debt collection company, is now the servicer of this obligation." It lists OC, original acct. #, MCM acct # and current balance. It is mine. I've read quite a bit and not sure if they technically have to send my anything else under the FDCPA, but will this work as a validation letter? Is there anything else I can/should do? To whom it may concern: In regard to the above referenced account, please be advised I dispute your claims and request full and complete validatio
  15. Hello - I am working on cleaning up my wife's credit reports, and she has a collection account with Midland Fund that they opened on 8/2011. The original creditor was GE Money Bank. We have worked very hard over the last 4 years to get a ton of Medical bills paid off that buried us, caused a loss of our home, etc. Anyway, this is one of the final accounts that we have left on her Credit Report. She periodically gets a letter from them, requesting payment of $3700 or so, and I believe the amount due to the original creditor was around $2500. I dont want to send a dispute or vali
  16. I recently obtained validation information from Midland Funding regarding an account in collections. I CM-RRR'ed the DV letter to them last month. I am with-in SOL in Louisiana. SOL ends around 03/2015. I want to try to have them delete the TL off my CRs. I want to send a PFD letter for a settlement amount. I won't lowball since I know I'm inside SOL, somewheres around 55%-70% of total. I know its a touchy area sending PFD Settlement letter within SOL. My question is, lets say I send the letter, they do not accept the settlement. Will they send something back stated so
  17. Okay...so it has been 30 days since Midland has received my four (4) Debt Validation letters that I sent CMRRR. (I sent one letter for each account/TL) They signed for it all on 17 March. Today I check my mailbox and there is nothing in there. I expected not to get anything back from them, but woulda been hella surprised if they did send me something. My situation is that I never received any notification from them in writing on the four TL's that they are reporting. I found out Midland was reporting them because I pulled my credit reports. There has been conflicting information so I am tryi
  18. HI all! I am looking at my Experian report which is my worst report and for Midland there are two from Midland that say almost nothing...and I also have The CBE Group who are also reporting for one of the Midland accounts... For negatives on Experian I have 5, these 3 and two more one from LVNV that I just disputed obsolete and hopefully that one will drop off. After I get the answer back for that dispute, I wanted to maybe dispute the 2 Midlands? I know that my report shows "customer disputes..." but this had to have been last year when I disputed this. Thank you for your help!!
  19. Midland FInancial is attempting to collect a debt from me that I really truly believe is not mine or is a mixup. This is an old tmobile account from many years ago, which as I understood it was no more then $200.00 (even with Tmobile's fees). Midland is collecting for $900.00. I sent a valdiation letter to them stating I disputed the item and they wrote back essentially with a lcover letter stating that they are collecting for this $900.00 then an attached list of fees, etc with a grand total that was $700.00. THe phone number that was associated with me on this list was never a number that I
  20. Midland is reporting to the Credit Bureas on an alleged Citibank account. I have disputed this with the Credit Bureas and it has come back verified. Today I called Citibank to see if they could provide me with an account number of this alleged account. After speaking with Customer Service and explaining that I was lookoing for an account number so that I could verify this alleged debt I was forwarded to the Asset Department. After being put on hold for 10 minutes I was told that they are unable to find any records showing I ever has an account. My question is what would be the best way to d
  21. I have been reading for a while, still confused. I made a screen name so I can ask questions. Geez, I don't even know where to start, dispute or validate, opt out, etc. I want to do a 1-2 punch but I feel like I would mess it up. There is an address on my EX and EQ that NEVER belonged to me! I can't get my free report from TU, i don't know why. I feel overwhelmed! If I dispute the prior and false address on my report would they have 45 days (because) to fix as opposed to 30? Also, a collection from midland is being disputed (as said on both reports) and IDK why, i didn't initiate it on EX but
  22. After calling a few times a month for nearly a year, Midland finally sent me a dunning letter. As far as I can tell, still not reporting. Time to warm up the printer!
  23. I have three entries on TU placed there by Midland within the last few months. I am working with a "professional" credit repair person who has gotten several baddies off all three CRAs but he has no idea how to approach this one. We asked for DV about two months ago, and Midland responded with a simple "we checked, it's a valid debt" and reinserted the three listings on TU. The "professional" has no idea what to do now and suggests we may have to live with this being reported this way if Midland refuses to cooperate. Ummm... hell no. The debt is all from 04/2009, far past SOL in my
  24. Equifax back door. Vle Bishes Midland reporting the following on an old TMobile acct. Tmo agreed to end contract due to zero coverage at new residence. Instead of sending me the proper documentation agreeing to term contracts they hit me with double ETF and balance due on subsidized phone/hotspot. I want to disputebut I am confused. This is clearly a collection, reporting pays as agreed. The second item is Loan Type: Yes. What does that even correlate to and how can I best attack them on this. I have to tread lightly as they have a satellite office here in my city and I am af
  25. Hi all, I was hoping for some Suze Orman style guidance I'm a 26 year old post grad NYC'er that happened to make some poor decisions when I was younger. Now, I'm in a stable job and really trying hard to rectify my past mistakes. My credit score via myfico (Equifax) currently sits at 634. I currently have the following: 1x Gap card, 30% utilized, 100% on time payments, opened March 2008 = $300/1500 1x CapOne card, 100% utilized, 100% on time payments, opened Nov 2011 = $1500/1500 (a payment of approx ~$1000 will hit anyday now, bringing it down to 33% utilized) 3x AES Stude
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