Letter from Midland :)

[Jimmyl66]

Quick history of the debt:

Defaulted in 11.2011 when I transitioned to AT&T. I noticed T-Mobile reporting on my credit file in 01.14. After a couple of failed attempts at PFD I decided to take care of this by paying T-Mobile directly in 03.14. I was communicating back and forth with tmobile asking them to pull the debt back. Every time I talked to a rep they would tell me they submitted a request to have midland stop reporting. After a month of hearing nothing from Tmobile or midland, I finally wrote an email on 04.10.14 to the executive officer at midland ASKING if they could please stop reporting as I had already paid tmobile and I was looking to purchase a home.

After 2 months of waiting, Midland finally sent me a letter saying they have instructed all 3 reporting agency's to delete MCM off my credit reports. Although it took forever and I had to jump through hoops to get a response, I feel extremely happy that my credit report is finally 100% clean.

As of 05.01.14 my Fico scores are:
Equi: 651 Exp:: 714 and Trans: 651

I have no other derogatory marks on my credit file except for this MCM account reporting on all 3. Wonder what kind of bump I'll get once it's gone. Thanks everyone!

[ethan17debttackler]

Congrats on removal!

Wondering if EQ & TU have deleted that yet? Those scores are quite different than your EX...

[Jimmyl66]

I'm hoping it's a complete deletion. The only difference between all of the reports is that experian dosnt show a balance where transunion and equifax do.

[Whitneyy]

I am so happy for you! Congrats

[Jimmyl66]

Incase anyone is curious. I pulled  my Transunion and Experian reports today.  Its completaly deleted from my  transunion and I went from a  651 to a 734. It's still showing up on my experian  report and that score is still at 713. 

[guykara]

Nice, what a jump. I'm expecting similar results with a T-Mobile related collection from ECR that popped up earlier this year. T-mobile said they've instructed ECR to remove it...now I wait!