Reply
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

2 accounts from Midland

I am sooooo furious with Midland right now.  I just pulled my EX report and 2 NEW Midland accounts have been added to my EX CR after my BK with a balance showing 1700 bucks.  I tried to call, but they are closed...Its NOT on any other report as of now.  How can that be possible?  It never showed up until now.  and my Ch 7 BK was discharged back in Mid FEB

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Re: 2 accounts from Midland

cs.png

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Re: 2 accounts from Midland

The full report shows that this account was opened with them back in 2009 and 2010 and will come off my report ins 2015...They are from GE bank and HSBC....How can they show a balance after all this time PAST my BK, when this should have been whiped out by my CH 7 BK...This is the FIRST time I have seen this show up on my CR...

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Re: 2 accounts from Midland

Should I do an online dispute? and put it as IIB?  Mind you, nobody HAS called me or anything from this agency!

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: 2 accounts from Midland

If those accounts were IIB they cannot report them. Collection activity violates the BK stay.  And they are reporting a balance.

 

I would send them copies of your BK showing they are included and tell them if they don't remove them you will sue them.

Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Re: 2 accounts from Midland

Thank You!  I am going to call tomorrow and let them know what they are doing is wrong...They can't NOT report the entire time and just magically report now...and on top of that a freakin balance...It should have been IIB as the accounts were open in 09 and 10

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Regular Contributor
goosedog
Posts: 327
Registered: ‎05-28-2013
0

Re: 2 accounts from Midland

look over your BK and make SURE you included those accounts in the BK.

 

if it was, it should be easy to remove them. just file a dispute with CRA and also send the CA a copy of the BK.

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: 2 accounts from Midland


goosedog wrote:

look over your BK and make SURE you included those accounts in the BK.

 

if it was, it should be easy to remove them. just file a dispute with CRA and also send the CA a copy of the BK.


If you file a no assest BK you don't need to list all accounts.  All debt is included in a no assest BK.

Frequent Contributor
Countingpennies
Posts: 465
Registered: ‎02-14-2013
0

Re: 2 accounts from Midland

[ Edited ]
Me too! I just had 2 new collection accounts from Midland show up yesterday on EX, today on EQ. I'm sure they will be on TU in a few days. My BK was DC'd 11/2012. I spent most of the day on the phone, continuously getting transferred from CSR to nowhere. I faxed a letter to two different numbers I found, and mailed CMRR the same letter today. I also disputed with EQ and EX. Hope you have better luck talking to someone. Can't find a good contact anywhere.
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: 2 accounts from Midland


Countingpennies wrote:
Me too! I just had 2 new collection accounts from Midland show up yesterday on EX, today on EQ. I'm sure they will be on TU in a few days. My BK was DC'd 11/2012. I spent most of the day on the phone, continuously getting transferred from CSR to nowhere. I faxed a letter to two different numbers I found, and mailed CMRR the same letter today. I also disputed with EQ and EX. Hope you have better luck talking to someone. Can't find a good contact anywhere.

What about your BK attorney?


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}