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I have MCI listed on my credit report. The balance is $565 and it shows as closed , last reported 6/1/2011. I searched on the forum for advice regarding MCI but it seems that the majority of people that had MCI had their account sent to collections. From what I can tell MCI never sent my account to a collection agency. I've never received anything in the mail and all three CB's show the exact same thing. Has anyone had any luck with a PFD from MCI directly?
Have you tried just disputing it with the credit bureau? I don't think MCI exists anymore, so it would likely be deleted.
Dispute on what basis?
Whatever basis seems legitimate. How could they verify if the company doesn't exist anymore?