Can I try to settle w/Midland and have them not report?

[Bell536]

I'm not sure if you are saying that the CA is reporting to your credit reports or not.

Call Citi (the OC) and ask them what the DOFD is.  They can't do anything to hurt you from asking.

They may tell you that it was sold to collections....

You could try asking to pay Citi (if it was NOT SOLD to the CA) if you can pay citi then ask them to pull it out of collections.

[reckedhim]

The CA is not reporting it and neither is Citi.  I will give them a call tomorrow and try to figure out the DoFD.

[reckedhim]

Yesterday I got a preapproval thing in the mail for a citi card which seems a bit strange. I still need to call them and figure out the DoFD.

[txmomma26]

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@Bell536 wrote:

 They throw debt spaghetti at the credit report walls hoping to collect from anyone or anything.

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I LOVE this sentence

[Bell536]

Thanks TXMomma!      

I hate those spaghetti throwing scammers  

[reckedhim]

I assume you've dealt with them before?

[reckedhim]

If I send a DV to Midland, will they give me the DoFD?

[guiness56]

No.  They are only required to give you the amount of debt, who is collecting and the name and address of the OC if you request it.