Can a CA list themselves as an installment acct?
Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
They shouldn't be listed as an installment. You have no agreement with them. They should be listed as a Collection account. If you look closely, you'll likely see they are listed as a "factoring company".
On a side note, where did you pull the report from? Some 3rd party CRs aren't quite as accurate.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Midland as listed as a Factoring co on EQ. It says installment on EX. What do I do about it?
Is it paid?
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Yes, its PIF.
I'd try a GW first, then if that didn't work, then I'd do a direct dispute.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Hmmmm...I'm wondering since I have sent a few GWs requesting deletion. Now, there's another issue...
They replied they cannot delete the TL but that my acct balance is $0. There is still a balance showing.
I think DD is in order at this point. Not only are they categorized as an installment acct...they have been reporting 90 lates for a year!