FBD/ Continental Finance and Midland Deletion

[rickjames8692]

After 28 long days wait for the results I wake up this morning to check my email and check my dispute. Look what I found

Thanks you everybody with your wisdom and knowledge, this is only the beginning.

Edited to remove identifying info. - llecs, myFICO mod.

[MamboItaliano]

Never give in--never, never, never, never, in nothing great or small, large or petty, never give in except to convictions of honour and good sense. Never yield to force; never yield to the apparently overwhelming might of the enemy.  - Sir Winston Churchill, 

[rickjames8692]

what made me mad that midland put a collection on my report (in relation to FBD) and sunk my 620 score to a 570 ugrh. Should I dispute with the other CRA or wait and see if the others will follow.

[bbb3601]

if you haven't disputed with the others I doubt mcm will delete on their own.......least from my experience.

[DM6410]

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@rickjames8692 wrote:

After 28 long days wait for the results I wake up this morning to check my email and check my dispute. Look what I found

Thanks you everybody with your wisdom and knowledge, this is only the beginning.

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I am glad this worked out for you as I have 2 PAID Midland accts presently reporting on my Transunion at $0 balance, however, I NEED to have these accts deleted. Prior to learning abt this site, I thought that I agreed to a PFD however, I guess it was just a "settlement" agreement with noted correspondence from MIDLAND as to a settlement. I will be disputing these collection accts today. What was your reason for disputing? Did you actually PIF/settle with MIDLAND? Was this your acct?

[rickjames8692]

I did not have to pay neither due to Midland bought debt from FBD, since they had a FDIC court order cease and desist. They are no longer legally to collect or sue for that matter since they would be in violation.

[injustifiiable]

Congrats bro. Doesn't it feel great???

[DM6410]

Oh, OK I understand. Well for my 2 Midland accts, I am disputing the accts and sending in what vague verification I have from Midland in hopes they will just cave and give in to removing from my report. Worst case scenario, they are both due to come off in Feb and March 2013, so it might not be as soon as I like but it will be at least under a year before they are ultimately GONE! Congrats again!

[injustifiiable]

Midland is just gonna send their bogus form letter saying what they're reporting is accurate. They didn't even acknowledge anything I'd written in my letter to them.

You can always dispute with the CRA if doing so directly with the CA doesn't get you anywhere. That's what I had to do for TransUnion.