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Member
Posts: 6
Registered: ‎02-07-2013
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Re: How To Remove Midland Credit Management (easy!)

BY LAW Y7OU DO NOT HAVE TO ASSIST THEM AND ONCE THE ALLOTTED TIME IS EXPIRED IF THEY HAVE NOT SENT PROOF IT WILL HAVE TO BE REMOVED. IF IT HASNT I WOULD FORWARD THAT LETTER AND ANY OTHERS TO THE  CR.

New Contributor
Posts: 53
Registered: ‎02-01-2013
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Re: How To Remove Midland Credit Management (easy!)

I got the same letter... like they were telling me it was my responsibility to do their job for them.

 

I am trying to figure out how I can spin this to work in my favor.

Contributor
Posts: 83
Registered: ‎07-12-2013
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Re: How To Remove Midland Credit Management (easy!)

bump

 

My Fico Score :554 (07/26/13)
Goal:720

Frequent Contributor
Posts: 341
Registered: ‎09-23-2013
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Re: How To Remove Midland Credit Management (easy!)

I'm curious if Midland was outside the SOL on OPs reports. I just don't see them giving in like that lol sorry.
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New Visitor
Posts: 1
Registered: ‎11-14-2013
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Re: How To Remove Midland Credit Management (easy!)

Mcm has been sending me a letter for a couple years. They don't say who the debt is originally from. Just that I have to pay them. I always ignore it. No phone calls. But they aren't on my credit reports either. I have no idea what the debt could even be from. It is sent under my nickname, not my actual name. It's really weird.

I did have an issue with a collection agency trying to get money on a debt that wasn't even mine. It was on my credit report. I sent letters to the bureaus and they took it off right away so I definitely suggest doing that.
New Visitor
Posts: 1
Registered: ‎11-16-2013
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Re: How To Remove Midland Credit Management (easy!)


jmco wrote:

 

I am in New Jersey and Midland bought several of my collection accounts and used a firm here in NJ to collect them all.  I have paid the firm on most but it seems like

Midland keeps buying my old debt because I just got a letter in the mail this week about 2 more (I only have about 5 more accounts left unpaid, everything else has been PIF or settled in the last 3 years).  Dealing with the law firm is easy and since they are familiar with my name they know I will eventually pay the debt.  Right now I am

on a payment plan of $50 and $75 a month until I get my tax return in March and then I will just settle with the law firm.  The debt is 1200 & 2300.  I joked with the law firm saying they are making lots of money from me....my contact just laughed.  At the end of the day the debt is mine, I won't fight it but I also can't pay it out right so the payment

plan works. I never wanted to deal with a law firm putting a judgement out there or taking my pay check.  Now I just wish Midland would delete all the paid accounts!!

UGH!!!

 


of course they keep buying your accounts.... you keep giving them money. You are their ideal customer. Midland is one of the easiest junk debt buyers to beat in court and i dont recommend giving thema dime for the acount they bought for pennies on the dollar, and dont even have clear title to.

Valued Contributor
Posts: 1,307
Registered: ‎09-30-2013
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Re: How To Remove Midland Credit Management (easy!)

I think I may try to send the MCM information request letter to the CRAs with a personalized letter. Explaining that the account is already in dispute......I request that they be removed because they never validated ANY information. 



Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
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Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
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Re: How To Remove Midland Credit Management (easy!)

A CA is not required to validate nor remove an account from your CR if they don't.  In all likelihood, the CRA will not care either.

Valued Contributor
Posts: 1,307
Registered: ‎09-30-2013
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Re: How To Remove Midland Credit Management (easy!)


guiness56 wrote:

A CA is not required to validate nor remove an account from your CR if they don't.  In all likelihood, the CRA will not care either.


Thanks guiness56....just took the wind out of my sails...LOL!!!!  



Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
Current Score: EQ: 600 TU: 644 EX: ??
Goal Score: ALL 720+

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Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
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Re: How To Remove Midland Credit Management (easy!)

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