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1. I had a Midland (ugh) account that I dispute with Midland, they agreed to tell the CRA's to delete it. TU and EX did so promptly, it has been 5 weeks and it is still on EQ.
2. Verizon Wireless, after 2 years just mysteriously disappeared from TU, then a day later from EX. 1 week later it is still on EQ.
Does EQ just not delete if they are told to by the creditors? And a side note wondering why Verizon deleted after only 2 years anyway?
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.
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 call to see if I qualify for discounts or payment plans.
Then at the bottom it says "we will not report your debt to the credit bureaus if you set up a payment plan, make a payment by 1/31/15 and make all payments as agreed."
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:
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 referenced account. After reviewing the information you provided, as well our own account notes, and information provided by the previous creditor, we are unable to determine the nature of your dispute, and consequently deny that our records are incorrect.
In order to further investigate your dispute, we need additional information to help verify the basis of your dispute. Including a complete explanation of your dispute would be helpful. Further, copies of any documentation you may have to support your dispute. In the interim, we have requested that the three major credit bureaus change the status of this account to “Disputed”.
Examples of documentation we need or which would be helpful include the following:
Paid in Full or Account Settled: a) a copy of the front and back of payment instrument with copy of settlement offer or statement showing balance and account number; a copy of the paid in full or settlement letter showing account number.
Fraud or Identity Theft: a) a copy of a police report; Federal Trade Commission Fraud Affadavit that has been filled out (which can be obtained at www.ftc.gov/idtheft); or c) notarized fraud affidavit.
Balance Discrepancy: a) copy of contract that states rates for time frame of disputed service; a copy of bills or statements that show amount owed or rates; c) a more detailed explanation of disputed charges.
In the meantime, as requested by you, we will no longer be contacting you regarding this account by phone or mail unless it is to further respond to a dispute by you under the Fair Credit Reporting Act.
The account may still be reported on your credit report as unpaid.
So at this point, not sure what to do next. In the past, if one of these pesky ghosts popped up, a good slap always sent them scurrying back into the gutter. This time, Midland did as they said, and updated the listing with the three CRAs.
By The Destroyer
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 I could pay the account right there in full. After a quick call, corporate agreed, and I walked out with a paid in full receipt showing my account number, phone number, address, and name on the account.
I faxed a letter and receipt to Midland disputing the charges as already paid in full to T-Mobile and demanding they delete the their three reported negative tradelines from my credit report.
I was denied via mail.
I called Midland and asked them to explain the denial. I again explained my dispute verbally. After a few minutes on hold, Midland's customer service representative told me they agreed with my dispute and were going to be deleting the tradelines.
The entire process took 15 days.
A few takeaways: I read tons of horror stories about Midland on these boards. If you can afford it, I think (when trying to delete T-Mobile related tradelines with Midlands) this method is the easiest way to do it. After Midland agreed to delete, I filed a dispute with the three CRA and it speeds up the process of the change showing up on your credit report.
*Many people say not to call their consumer support, but if you let them know you are recording the conversation and you're knowledgable about your FCRA rights, I have always found disputing faster via phone.