http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-JDB-a-Factoring-company/m-p/1634980#M211573 <p>I feel like this question has been EXHAUSTED. With looking it up in search mode it is very clear that YMMV with different companies but it is easy enough to file a complaint like most others did... some to avail, others not so much. Maybe we should make this sticky or something.</p><p> </p><p>Anyway, give it a shot like PP said. I haven't even bothered with Midland yet who is doing the same on my CR because they are notorious for rebuttling on BBB etc but some had luck with AG. Good luck!</p> Wed, 10 Oct 2012 05:06:24 GMT novabama 2012-10-10T05:06:24Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-JDB-a-Factoring-company/m-p/1634262#M211549 <p>I have a 6 year old orchard bank cc that was written off. Midland is reporting as factoring company amd charging me interest and 120 days late every month. Is this normal or can i do something about it. My cc utilization is 100% but have no cc. Is this because its being reported as a cc with a 0 limit but a $777 past due? Help</p> Tue, 09 Oct 2012 22:54:52 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-JDB-a-Factoring-company/m-p/1634262#M211549 Hmalcolm 2012-10-09T22:54:52Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-JDB-a-Factoring-company/m-p/1634630#M211550 <p>That's the latest flavor of some CAs.  They've found a kind of loophole that they are using to post as the OCs.  File with the BBB, State AG and FTC.  Maybe if enough do it they will fix it.</p> Wed, 10 Oct 2012 01:58:31 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-JDB-a-Factoring-company/m-p/1634630#M211550 Shogun 2012-10-10T01:58:31Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-JDB-a-Factoring-company/m-p/1634980#M211573 <p>I feel like this question has been EXHAUSTED. With looking it up in search mode it is very clear that YMMV with different companies but it is easy enough to file a complaint like most others did... some to avail, others not so much. Maybe we should make this sticky or something.</p><p> </p><p>Anyway, give it a shot like PP said. I haven't even bothered with Midland yet who is doing the same on my CR because they are notorious for rebuttling on BBB etc but some had luck with AG. Good luck!</p> Wed, 10 Oct 2012 05:06:24 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CA-JDB-a-Factoring-company/m-p/1634980#M211573 novabama 2012-10-10T05:06:24Z