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    <title>topic Re: MIDLAND VICTORY in Rebuilding Your Credit</title>
    <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1856435#M235488</link>
    <description>&lt;p&gt;HOW TO DEFEAT MIDLAND!!!Hi there; First you have to be extremely low key with this guy You have to ask him if would be possible to have the account settled for make up a number that you are willing to pay for but don't be greedy He will tell you that he needs to pass along with his manager and get back to you Make sure you call twice a day until you get the answer( say I'm sorry you are being so pushy) It will work at the end. Once you have the deal Type a letter with letter head, put to this person attention And MAKE SURE THE LETTER HAS: Date and time of the conversation over the phone and the amount of the agreement. In the letter pretty much beg in a nice smart way for them to remove the lines. Make your personal check on the agreed amount Make sure you write on the memo PAID IN FULL AND THE ACCOUNT # (s) In the back of the check Endorse like this: MCM AGREES TO FULLY DELETE FROM THE CREDIT BUREAUS In my case the person that deposited the check DID NOT CONTESTED on the endorsement But when I emailed the check image to this person he made me write a letter to disregard the endorsement otherwise he would return the payment. IF THAT HAPPENS DONT ARGUE JUST SIMPLY DO IT. After ask nicely for him to pleeeeeeeease be kind to update at the same day. He will do it. He told me that the lines won't be deleted but they were. And that happened with all my 3 accounts with them They just want to be the ones given the cards But who cares how many times I had to suck it up What matter is that I had done pretty fast!!! Here is the guy info: &lt;font color="#0000FF"&gt;&amp;quot;Edit&amp;quot;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font color="#0000FF"&gt; &lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;em&gt;&lt;font color="#0000FF"&gt;Personal information (such as full names) are not allowed to be posted per myFICO Terms of Service. You are welcome to exchange such things, via PM. Lightnin,myFICO moderator&lt;/font&gt;&lt;/em&gt;&lt;/p&gt;</description>
    <pubDate>Wed, 06 Feb 2013 10:27:19 GMT</pubDate>
    <dc:creator>Julesny</dc:creator>
    <dc:date>2013-02-06T10:27:19Z</dc:date>
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      <title>MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563068#M204529</link>
      <description>&lt;p&gt;I think today is the greatest day of my life!!!&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;MIDLAND FUNDING DELETED!!!!&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Thank you thank you thank you everyone in these forums for all their help!&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Im so happy I cant even go back to sleep now that I opend that email! :smileyvery-happy:&lt;/p&gt;</description>
      <pubDate>Wed, 29 Aug 2012 13:26:09 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563068#M204529</guid>
      <dc:creator>jadorejessie</dc:creator>
      <dc:date>2012-08-29T13:26:09Z</dc:date>
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      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563074#M204531</link>
      <description>&lt;p&gt;WOW!! Congrats! How did you get them to delete?&lt;/p&gt;</description>
      <pubDate>Wed, 29 Aug 2012 13:28:47 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563074#M204531</guid>
      <dc:creator>jm2908</dc:creator>
      <dc:date>2012-08-29T13:28:47Z</dc:date>
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      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563204#M204537</link>
      <description>Thats great! I am curious how you did this as well. Im currently doing everything i can to try and remove a paid collection from them.</description>
      <pubDate>Wed, 29 Aug 2012 14:30:01 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563204#M204537</guid>
      <dc:creator>billy41</dc:creator>
      <dc:date>2012-08-29T14:30:01Z</dc:date>
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    <item>
      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563298#M204549</link>
      <description>&lt;p&gt;So glad to hear that!   Congrats!!!!&lt;/p&gt;</description>
      <pubDate>Wed, 29 Aug 2012 15:39:06 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563298#M204549</guid>
      <dc:creator>Shogun</dc:creator>
      <dc:date>2012-08-29T15:39:06Z</dc:date>
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    <item>
      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563428#M204565</link>
      <description>&lt;p&gt;That's great! How were you able to do it?&lt;/p&gt;&lt;p&gt;I've been trying to get them to PFD, but they just keep telling me they can't do it.&lt;/p&gt;</description>
      <pubDate>Wed, 29 Aug 2012 16:55:12 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563428#M204565</guid>
      <dc:creator>Raiders1</dc:creator>
      <dc:date>2012-08-29T16:55:12Z</dc:date>
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    <item>
      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563756#M204591</link>
      <description>&lt;p&gt;Congratulations!  I had luck with them, too.  Glad to see they are still helping us rebuilders out.&lt;/p&gt;</description>
      <pubDate>Wed, 29 Aug 2012 19:52:48 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563756#M204591</guid>
      <dc:creator>John060675</dc:creator>
      <dc:date>2012-08-29T19:52:48Z</dc:date>
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      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563764#M204592</link>
      <description>&lt;p&gt;If someone could PM me how they dealt with Midland, I would greatly appreciate it. I went the BBB route and they just failed to respond.&lt;/p&gt;</description>
      <pubDate>Wed, 29 Aug 2012 19:55:26 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1563764#M204592</guid>
      <dc:creator>snsforever916</dc:creator>
      <dc:date>2012-08-29T19:55:26Z</dc:date>
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      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1564238#M204652</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;snsforever916 wrote:&lt;br&gt;&lt;p&gt;If someone could PM me how they dealt with Midland, I would greatly appreciate it. I went the BBB route and they just failed to respond.&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;how is that fail to response ?&lt;/p&gt;&lt;p&gt; &lt;/p&gt;</description>
      <pubDate>Thu, 30 Aug 2012 02:10:22 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1564238#M204652</guid>
      <dc:creator>nicholasyud</dc:creator>
      <dc:date>2012-08-30T02:10:22Z</dc:date>
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    <item>
      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1564622#M204718</link>
      <description>&lt;p&gt;Would also appreciate a PM with how you attained your victory.&lt;/p&gt;</description>
      <pubDate>Thu, 30 Aug 2012 05:18:58 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1564622#M204718</guid>
      <dc:creator>migo13</dc:creator>
      <dc:date>2012-08-30T05:18:58Z</dc:date>
    </item>
    <item>
      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1564996#M204747</link>
      <description>&lt;p&gt;I'd also like that info. Midland is pretty much the only tradeline left that's really negatively impacting me and I'd love to get rid of them.&lt;/p&gt;</description>
      <pubDate>Thu, 30 Aug 2012 15:06:31 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1564996#M204747</guid>
      <dc:creator>mmb</dc:creator>
      <dc:date>2012-08-30T15:06:31Z</dc:date>
    </item>
    <item>
      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1565012#M204749</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;nicholasyud wrote:&lt;br&gt;&lt;blockquote&gt;&lt;hr&gt;snsforever916 wrote:&lt;br&gt;&lt;p&gt;If someone could PM me how they dealt with Midland, I would greatly appreciate it. I went the BBB route and they just failed to respond.&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;how is that fail to response ?&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;&lt;br&gt;They failed to respond to my rebuttal on my  BBB complaint. It's a common practice with Midland. They do not have to respond to a BBB complaint if they do not want to. My next step is going to be AG. But since I work for the AG, I'm trying not to go that route.&lt;/p&gt;&lt;p&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/p&gt;&lt;p&gt;&lt;strong&gt;On a side note, If you are not willing to share basic information on the route you took PFD, BBB, FTC, AG, calling, e-mailing or snail mail...then please keep your &amp;quot;I got this deleted.&amp;quot; We are all here to help and if you are unwilling to share any information on your process, then just do not post.&lt;/strong&gt;&lt;/p&gt;</description>
      <pubDate>Thu, 30 Aug 2012 15:24:46 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1565012#M204749</guid>
      <dc:creator>snsforever916</dc:creator>
      <dc:date>2012-08-30T15:24:46Z</dc:date>
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    <item>
      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1565058#M204751</link>
      <description>&lt;p&gt;CONGRATS!! Can you please send me the info for Midland I have two accts with them that I've been disputing for a few months with NO LUCK. &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Thanks&lt;/p&gt;</description>
      <pubDate>Thu, 30 Aug 2012 15:23:34 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1565058#M204751</guid>
      <dc:creator>slm10</dc:creator>
      <dc:date>2012-08-30T15:23:34Z</dc:date>
    </item>
    <item>
      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1566240#M204888</link>
      <description>&lt;p&gt;Congrads!!!&lt;/p&gt;&lt;p&gt;Can you be so kind as to send me the letter used to have them deleted? Thanks in Advance.&lt;/p&gt;</description>
      <pubDate>Fri, 31 Aug 2012 01:21:37 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1566240#M204888</guid>
      <dc:creator>Cadillac-XTS</dc:creator>
      <dc:date>2012-08-31T01:21:37Z</dc:date>
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    <item>
      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1630448#M211158</link>
      <description>&lt;p&gt;As with the previous posters I'd like to know how you were able to get a victory with Midland?  Please feel free to message me if you don't want to post.  Thanks&lt;/p&gt;</description>
      <pubDate>Sun, 07 Oct 2012 23:08:54 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1630448#M211158</guid>
      <dc:creator>Zorasmiles</dc:creator>
      <dc:date>2012-10-07T23:08:54Z</dc:date>
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    <item>
      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1631654#M211288</link>
      <description>&lt;p&gt;Could I get the information also&lt;/p&gt;</description>
      <pubDate>Mon, 08 Oct 2012 18:58:03 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1631654#M211288</guid>
      <dc:creator>poohda23</dc:creator>
      <dc:date>2012-10-08T18:58:03Z</dc:date>
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      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1632410#M211344</link>
      <description>&lt;p&gt;Congrats!!! I had a Midland deleted on my Experian (it never showed on my Equifax) and I am currently trying to wait patiently for the completion of my Transunion dispute with them. My account has been paid since Aug 2011, so I'm really hoping they won't even bother since it's paid. When I had them deleted from Experian, all I did was an online dispute and it was gone within a week.&lt;/p&gt;</description>
      <pubDate>Tue, 09 Oct 2012 01:18:41 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1632410#M211344</guid>
      <dc:creator>irishpassion9702</dc:creator>
      <dc:date>2012-10-09T01:18:41Z</dc:date>
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      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1672198#M215336</link>
      <description>&lt;p&gt;Hi tehre, I have 2 unpaid collections with them. Do you suggest I pay them  first or do a PFD?&lt;/p&gt;</description>
      <pubDate>Tue, 30 Oct 2012 18:46:32 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1672198#M215336</guid>
      <dc:creator>iwant700fico</dc:creator>
      <dc:date>2012-10-30T18:46:32Z</dc:date>
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      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1673514#M215475</link>
      <description>Can you please PM the contact you have for midland.</description>
      <pubDate>Wed, 31 Oct 2012 08:00:45 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1673514#M215475</guid>
      <dc:creator>Greene718</dc:creator>
      <dc:date>2012-10-31T08:00:45Z</dc:date>
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      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1758610#M224729</link>
      <description>&lt;p&gt;i've been trying to get this deleted all month -- various emails. I'm even guessing email addresses from the company website &amp;amp; naming arrangements.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;I received a generic response email asking me to call regarding my inquiry. then I received a voicemail from a rep in Consumer Support Services. When I called him back, he told me that they will NOT delete records of accounts that have been PIF. I PIF in March 2012, before I knew about the forums. It was only ~$200. I wish I knew about PFD back then because right now, he is telling me that they wont delete satisfied accounts -- which is absurd..... UGh. I need help with this Midland baddie. Does anyone have any MORE contacts or better methods?&lt;/p&gt;&lt;p&gt;I have a list of email addresses, but no one else has responded but this one  guy.&lt;/p&gt;</description>
      <pubDate>Wed, 19 Dec 2012 19:58:49 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1758610#M224729</guid>
      <dc:creator>NewbieReed</dc:creator>
      <dc:date>2012-12-19T19:58:49Z</dc:date>
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      <title>Re: MIDLAND VICTORY</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1758630#M224736</link>
      <description>&lt;p&gt;have you tried to dispute it through the CRA's? Some posters have claimed that Midland does not respond to accounts once they are paid..&lt;/p&gt;</description>
      <pubDate>Wed, 19 Dec 2012 19:38:44 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/MIDLAND-VICTORY/m-p/1758630#M224736</guid>
      <dc:creator>tmobileguy</dc:creator>
      <dc:date>2012-12-19T19:38:44Z</dc:date>
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