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Member
Posts: 15
Registered: ‎01-09-2013
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Incredibly Thankful! Jefferson Capital DELETED and Midland on the retreat!

[ Edited ]

I just wanted to give a heartfelt thanks to all of you for helping me along my path to financial success, of which credit is a key component. I fought the dragon (Jefferson Capital) and I won. They were reporting a Tribute card with an outrageous balance that I disputed using the FTC ruling. I could not have even began to fight this battle without the guidance of this forum. I also managed to get a deletion from Fresno Credit Bureau for my DH. He now has a perfect credit file, no baddies at all. I am insanely jealous of him but know that with this forum's help I will get there sooner than later. I'm almost there with Midland, they've come close to deleting and just need the final push! 


Starting Score: EQ: 592 TU: 583 EX: 590
Current Score: EQ: 592 TU: 583 EX: 590
Goal Score: 700's Across the Board!


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Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
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Re: Incredibly Thankful! Jefferson Capital DELETED and Midland on the retreat!

Regular Contributor
Posts: 150
Registered: ‎05-16-2007
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Re: Incredibly Thankful! Jefferson Capital DELETED and Midland on the retreat!

What is your secret with Midland? They offered me 10% in a letter years ago and I foolishly did not take it Smiley Sad PM me please Smiley Happy

Starting Score: 475
Current Score: 649
Goal Score: 690


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Member
Posts: 15
Registered: ‎01-09-2013
0

Re: Incredibly Thankful! Jefferson Capital DELETED and Midland on the retreat!

Honestly my thing with Midland was to dispute with the CRAs and they couldn't verify. I think it was sheer luck (or employee incompetence). 


Starting Score: EQ: 592 TU: 583 EX: 590
Current Score: EQ: 592 TU: 583 EX: 590
Goal Score: 700's Across the Board!


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Moderator
Posts: 13,897
Registered: ‎04-15-2011
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Re: Incredibly Thankful! Jefferson Capital DELETED and Midland on the retreat!

Happy Dance!  Congrats!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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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!
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Valued Contributor
Posts: 2,440
Registered: ‎11-29-2012
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Re: Incredibly Thankful! Jefferson Capital DELETED and Midland on the retreat!

That's awesome! I bet they really hate an informed public, lol!

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: Incredibly Thankful! Jefferson Capital DELETED and Midland on the retreat!

Nice going, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Regular Contributor
Posts: 199
Registered: ‎11-24-2012
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Re: Incredibly Thankful! Jefferson Capital DELETED and Midland on the retreat!

Can you please well me how you got rid of Jefferson Capital?! They are a thorn in my side and reporting the hell out of me every month keeping my score from growing!

Current Score: TU 671 / EQ 675 / EX 682
Goal Score: 700 Club Across the board!

Regular Contributor
Posts: 199
Registered: ‎11-24-2012
0

Re: Incredibly Thankful! Jefferson Capital DELETED and Midland on the retreat!

 

 

Can you please well me how you got rid of Jefferson Capital?! They are a thorn in my side and reporting the hell out of me every month keeping my score from growing!

Current Score: TU 671 / EQ 675 / EX 682
Goal Score: 700 Club Across the board!

Established Member
Posts: 16
Registered: ‎12-10-2012
0

Re: Incredibly Thankful! Jefferson Capital DELETED and Midland on the retreat!

Tell me more about Midland please, did you try to validate the loan with original creditor?  I am new at this.

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