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Midland Deleted My T-Mobile Tradeline


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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.

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Attempting to pay OC is always a good move! It worked for me before! Twice!

 

 

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Even after the account has been sold to a JDB?

 

What if I paid the OC but the CA/JDB still refuses to delete? Is that a legit dispute since technically the JDB owns the account at this point? I ask because I have the same situation with a different JDB and VZW. It's a small debt and nothing else is working. I'd rather pay the OC at this point, but I just can't tell if that will hold when trying to the the JDB to delete.

Edited by JuJuNola
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I would think you would run the risk of getting it updater as a paid collection

 

On the tradeline from the JDB?

 

The OC tradeline isn't listed anymore, so if I paid them I'd think that be it.

 

The risk I'm worried about is, since the OC no longer owns the account, but is still willing to accept payment, what recourse/dispute do I have with the JDB since technically they own it, supposedly? Would I have standing to make them delete or would I run the risk of having to pay twice (VZW and JDB for PFD)?

 

I know for sure VZW no longer owns it.

Edited by JuJuNola
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I would think you would run the risk of getting it updater as a paid collection

 

On the tradeline from the JDB?

 

The OC tradeline isn't listed anymore, so if I paid them I'd think that be it.

 

The risk I'm worried about is, since the OC no longer owns the account, but is still willing to accept payment, what recourse/dispute do I have with the JDB since technically they own it, supposedly? Would I have standing to make them delete or would I run the risk of having to pay twice (VZW and JDB for PFD)?

 

I know for sure VZW no longer owns it.

 

I'm in the same boat with a JDB reporting a VZW CA. Did you talk with VZW and they said they would accept payment? I think in a perfect world, in theory, if you had a paid receipt from VZW that would be enough to compel the CRA's to delete the JDB tradeline. I'm just not sure I'm willing to risk the JDB tradeline being updated as a paid CA, even though in theory, I don't think it would.

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Verzion will not contact the CRA to delete the tradeline. They don't have the authority to do it, only the CA can delete / update their tradelines. You can ask for them to contact the CA and tell them about the updated payment history of the account (T-Mobile did offer to do this for me).

 

All that being said -- I would give the method a shot. When you write your letter remember to write "you're disputing the charges as already paid". Include the receipt of payment to T-Mobile and write that the attached documents prove the account is "paid in full". Finally, ask for the CA to deleted their reporting from your credit reports.

 

Dollars to donuts, they are going to delete the tradline. I have a feeling when cellular OC's sell these accounts off, they probably have a provision where they reserve the right to re-buy the accounts.

 

Good luck! Let us all know how it goes. If you want to see the letters I used, shoot me a PM.

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