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Bittersweet moment, 2 Midland deletions in 1 day...

Frequent Contributor

Bittersweet moment, 2 Midland deletions in 1 day...

I contacted Midland today as I have recently sent them a GW for 2 collections that were reported on 3/2010 and 4/2010.  I thought initially dealing with them would be a nightmare, but it was the exact opposite.  They were willing to assist me and was extremely polite and patient with me as we negotiated the settlement.  50% was negotiated on one account and out of GW they deleted the other.  With all that is going on right now, I wanted to cry when speaking with the collection rep.

 

Here are the following deletions:

 

Midland - reporting date 3/2010

Midland - reporting date 4/2010

IC System - reporting date 12/2009

Chase (CO) - reporting date 2004 was when it was actually charged off

 

With that being said, what are some guestimates as to how many points I will gain.  The only other baddies are 4 CO's from 2009 that are currently at $0.00 balances.


Starting Score: 06/2011 505 EX 523 Lender Pulled
Current Score: 08/2011 628 EX 575 Lender Pulled
11/14/2011 TU 584

Goal Score: 700


Take the FICO Fitness Challenge
***Closed on my home 05/18/2012***


Message 1 of 6
5 REPLIES
Senior Contributor

Re: Bittersweet moment, 2 Midland deletions in 1 day...

And you were about to give up and buy a car!  Silly girl.  congrats.  I can't guess on the points, but I betcha for sure over 640 when the judgment is gone.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 2 of 6
Regular Contributor

Re: Bittersweet moment, 2 Midland deletions in 1 day...

Good for you!  I told you! Keep on keepin' on.   Everything will fall into place.Smiley Very Happy

Closed on my 1st home on: 11/30/2011
First Guaranty Mortgage Corporation (FGMC)
Starting Score:Equifax: 490 (01/14/2011)Transunion: 498 (01/14/2011)
Current Score: Equifax: 609(07/09/2012) Transunion: 644 (10/14/2011) Experian: 593 Lender Pull (08/22/2011)

Goal Score: 700

Take the FICO Fitness Challenge


Message 3 of 6
Frequent Contributor

Re: Bittersweet moment, 2 Midland deletions in 1 day...


mocha82 wrote:

Good for you!  I told you! Keep on keepin' on.   Everything will fall into place.Smiley Very Happy



Yes you did as well as Booner!!!.  Honey, I was about to go get me a new car and just say to crap with this mess... lol.. it seemed like when one door closed another instantly opened for me.  thank you so much for the words of encouragements Booner and Mocha.  Yesterday was stressful and today has been great.  Dealing with this has and will teach me a valuable lesson when it comes to credit, it must be safegaurded and protected at all costs.


Starting Score: 06/2011 505 EX 523 Lender Pulled
Current Score: 08/2011 628 EX 575 Lender Pulled
11/14/2011 TU 584

Goal Score: 700


Take the FICO Fitness Challenge
***Closed on my home 05/18/2012***


Message 4 of 6
Frequent Contributor

Re: Bittersweet moment, 2 Midland deletions in 1 day...

Congrats! I told you Midland was a good company to work with. I DID buy me a car earlier this year & it boosted my score 17 points...lol. But as they say around here YMMV.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 5 of 6
Contributor

Re: Bittersweet moment, 2 Midland deletions in 1 day...

Congrat Smiley Very Happy

 

You are on the roll Smiley Happy


EQ542 TRAN582 EX565:
Current Score:EQ 635 TRAN 631 EX 603
Goal Score: 750

Start out : 24 negative accounts collections/chargeoff
Current : 5 remaining 2 unpaid 72 total positive accounts:Long two year battle finally i can see light
Take the FICO Fitness Challenge



Message 6 of 6