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Regular Contributor
bk510
Posts: 236
Registered: ‎03-27-2013

Midland Reaging After BK7...

[ Edited ]

hey guys,

 

i found out late last night that "midland" was added on my USAA EX, and taking 70 of my points to 581.

 

things i like to no please....

 

1. can i just fax them a copy of my discharged notice,(is it safe),  and hope they'll update.

 

2. i used an attorney when i filed my bk7.......

    Can i go back to my attorney and ask him to write a letter on my behalf, and if he does, would he charge me since he represented me.

 

3. i only have a discharged paper in my possession, is there more i should be having?

 

4. i didnt get anything from my attorney ( other than hes fee).

 

5. How does this affect my existing credit limit on my cards., could i c a decrease coming soon? (my highest limit is 1500, 6month old

 

anyway guys, ahhhhh....help


BK7 Discharged 6/12, (USAA 663, 663, 595) (WALLY,CLAY 616) as of 4/12, Approved for Discover IT(4/12/14)
Frequent Contributor
Countingpennies
Posts: 425
Registered: ‎02-14-2013

Re: Midland Reaging After BK7...

[ Edited ]
Bk510, you've been given some excellent advice on this in your other post. Midland is wrong. Send them a letter saying they are illegally reporting after BK, send it CMRR. And CALL them. Again, they are wrong, you need to have this corrected today.

Or, call your BK attorney.
Regular Contributor
bk510
Posts: 236
Registered: ‎03-27-2013

Re: Midland Reaging After BK7...

@pennies,

 

ok pennies, thanks .....

 

i dont know y i feel so scared....but will do.

 

thanks


BK7 Discharged 6/12, (USAA 663, 663, 595) (WALLY,CLAY 616) as of 4/12, Approved for Discover IT(4/12/14)
Valued Contributor
Scupra
Posts: 1,072
Registered: ‎07-12-2012

Re: Midland Reaging After BK7...

So weird that you posted this. I just got an alert that Midland had starting reporting a collection on my report for an account that was iibk!!! I called them the second I got the alert and rep told me "we know we made a mistake, please give us three days to update" I was sooooo mad and didn't even have a chance to tell him why I was upset before he started apologizing. So irritating!!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
655 EQ FICO 02/2014
674 TU FICO 03/2014
673 EX FICO 12/2013
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival
Community Leader
Valued Contributor
starry1
Posts: 1,985
Registered: ‎11-29-2012

Re: Midland Reaging After BK7...


Scupra wrote:

So weird that you posted this. I just got an alert that Midland had starting reporting a collection on my report for an account that was iibk!!! I called them the second I got the alert and rep told me "we know we made a mistake, please give us three days to update" I was sooooo mad and didn't even have a chance to tell him why I was upset before he started apologizing. So irritating!!


The nerve of him. It was their mistake, the least he could do is let you holler at him.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 2/14/14 TU 624; EQ 629; EX 610
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (SD) / Fingerhut $800 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k
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Valued Contributor
Scupra
Posts: 1,072
Registered: ‎07-12-2012

Re: Midland Reaging After BK7...


starry1 wrote:

Scupra wrote:

So weird that you posted this. I just got an alert that Midland had starting reporting a collection on my report for an account that was iibk!!! I called them the second I got the alert and rep told me "we know we made a mistake, please give us three days to update" I was sooooo mad and didn't even have a chance to tell him why I was upset before he started apologizing. So irritating!!


The nerve of him. It was their mistake, the least he could do is let you holler at him.

Right??? lol better be fixed asap

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
655 EQ FICO 02/2014
674 TU FICO 03/2014
673 EX FICO 12/2013
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival
Frequent Contributor
Countingpennies
Posts: 425
Registered: ‎02-14-2013

Re: Midland Reaging After BK7...

[ Edited ]
Scupra, i think that makes you myfico member 5 that's had the same post-BK Midland problem this week, unless I've missed a few posts. I am a victim as well.
I first saw the collections on USAA monitoring Monday night. I was on the phone first thing Tuesday, then pretty much all day. I just started getting alerts about this today! It showed up on EX first, EQ Wednesday, TU as usual is lagging behind. Hopefully TU will get the delete order before they report it.
Valued Contributor
Scupra
Posts: 1,072
Registered: ‎07-12-2012

Re: Midland Reaging After BK7...


Countingpennies wrote:
Scupra, i think that makes you myfico member 5 that's had the same post-BK Midland problem this week, unless I've missed a few posts. I am a victim as well.
I first saw the collections on USAA monitoring Monday night. I was on the phone first thing Tuesday, then pretty much all day. I just started getting alerts about this today! It showed up on EX first, EQ Wednesday, TU as usual is lagging behind. Hopefully TU will get the delete order before they report it.

What did they tell you on the phone? Wow, makes me feel like they are hunting for ignorant people that wouldnt notice!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
655 EQ FICO 02/2014
674 TU FICO 03/2014
673 EX FICO 12/2013
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival
Frequent Contributor
Countingpennies
Posts: 425
Registered: ‎02-14-2013

Re: Midland Reaging After BK7...

Couldn't get anyone to talk to me, kept transferring me to somewhere that no one answers. I kept calling. Then I found two fax numbers and faxed a letter to both numbers, several times. Then, I took the same letter to the PO. When I came home late afternoon, I called again. This time, as soon as I gave my info I was asked to hold and someone else immediately picked up, apologized and said the accounts (2) would be removed, but it might take a few days to show on the reports. I asked if this was done electronically and would it be done today (Tues.) He said yes.

I wondered if my fax deluge caught up with my file, now I'm thinking somebody hit the wrong 'send these accounts to the CRAs' button, and they realized a big mistake somewhere, probably after being flooded with similar calls.
Regular Contributor
bk510
Posts: 236
Registered: ‎03-27-2013

Re: Midland Reaging After BK7...

@pennies,

 

hey pennies, thanks for your advice as well as every1  who have responded...

 

yes i took a visit to my bk attorney and she provided me with all the BK papers and she also had a copy of my discharge paper as well.

 

and i sent them certified mail today.  Included in the mail was...

 

1. small opening statement regarding the collection acct

 

2. i included all the bk papers and my discharge paper.

 

i hope midland dont give me no run around and update this.

 

again thanks pennies and every else.


BK7 Discharged 6/12, (USAA 663, 663, 595) (WALLY,CLAY 616) as of 4/12, Approved for Discover IT(4/12/14)

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