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MIDLAND

Established Member

MIDLAND

I would like to thank everyone for all your helpful info. I'm going to be settling with Midland tomorrow and it would be greatly appreciated if anyone could provide snail mail addresses that I could use to send a relentless stream of GW requests to Midland. I will keep everyone posted on my progess. I don't expect this to be quick, cheap, or simple. Thanks again for any help you can provide.

Message 1 of 93
92 REPLIES
New Contributor

Re: MIDLAND

Im in the exact same boat so let me know if you have any success and I will do the same if any of my methods work for me....


Starting Score: EQ 575 EX 595 TR 524
Current Score: EQ 643 EX ??? TR 638
Goal Score: EQ 300 EX 300 TR 300


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Message 2 of 93
Frequent Contributor

Re: MIDLAND

Keep me in the loop too ! I am doing working to get them removed as well. I'll keep you guys posted of my success, if any at all. ugh. 

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 3 of 93
Regular Contributor

Re: MIDLAND

I'm working to settle some things out with Midland too, so i wish you luck Smiley Happy




Starting Score: 588
Current Score: 610
Goal Score: 650


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Message 4 of 93
Frequent Contributor

Re: MIDLAND

I've been GWing them via e-mail for an account that I PIF moths ago, before I knew about PFD. At least 5 e-mails a day to different people in management -- one per person EVERY DAY for the past week. Today - I just received a response from the Senior VP "thanking me for my note & follow-up correspondence" (LOL!) and  that my request has been forwarded to her compliance department....we'll see, indeed! 

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 5 of 93
Established Contributor

Re: MIDLAND

What is the balance/how much are you settling for? I currently have a T-Mobile account with Midland for $1,073. I am NOT paying that much lol. Just curious what people are throwing out there and if I should be aggressive and decline a bad counter-offer from them.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


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Message 6 of 93
Frequent Contributor

Re: MIDLAND


sphinx313 wrote:

What is the balance/how much are you settling for? I currently have a T-Mobile account with Midland for $1,073. I am NOT paying that much lol. Just curious what people are throwing out there and if I should be aggressive and decline a bad counter-offer from them.


Well, Idk about everyone else, but I settled a $350 acct for $223 (from GECRB/Old Navy) about 6 months ago -- before I knew about PFD and before I was into the forums. So now, I am just trying to get this stuff removed from my CR.

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 7 of 93
Established Contributor

Re: MIDLAND

I make it a point not to pay over 50%, and I get so stubborn that I will just hand up on them if those are not the terms. This is my biggest collection though, and with a company people don't like. I just refuse to give Midland more than $500, and even $500 is a lot considering over $700 of that is "Early Termination Fees" which I had already paid the subsidy on the device so it's all bogus fluff money to begin with. I would love to settle for $300 lol.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 8 of 93
Frequent Contributor

Re: MIDLAND

LoL! That's how I handle my big baddies sphinx. Settle for 25-40% most of the time, but this one was my smallest, so I really didnt care how much I had to pay. I offered to PIF but the rep was actually pretty nice, in that he suggested a discount. 

I wish I knew then what I knew now though. Ugh. Oh well! C'est la vie. I'm moving forward and GWing these ppl to the ground! 

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 9 of 93
Established Member

Re: MIDLAND

My acct. was for 655 and the settlement was for 385. I did it moneygram so add 4.99. I wanted it fast and clean so I could start harras.....I mean Good Willing them as soon as possible.

Message 10 of 93