Midland Collection Disappeared??

[Anonymous]

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@Dj4Money wrote:

  I noticed this too. Midland has been removed from all three credit agencies. I'll take it; no more collection accounts on my CR's! 

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Yessss! We need to have a party!

[Anonymous]

I'm hoping to hear the news on mine soon too. I just had one removed on the first of this month through early exclusion, but there are 2 more.

[Anonymous]

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@Anonymous wrote:

I'm hoping to hear the news on mine soon too. I just had one removed on the first of this month through early exclusion, but there are 2 more.

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Hopefully you'll get the same results. Good luck!

[thesecondtimearound]

Christmas came early this year! :-) Quick follow up question:

Midland was removed (unprompted by me) on 9/23 from my Experian cr. Should I dispute with the other two, or just play the waiting game?

[Anonymous]

Are they removing settled collections as well?

[Anonymous]

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@thesecondtimearound wrote:

Christmas came early this year! :-) Quick follow up question:

Midland was removed (unprompted by me) on 9/23 from my Experian cr. Should I dispute with the other two, or just play the waiting game?

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I would just wait. It came off my EX first. Then about a week or two later it came off of TU and EQ.

[Anonymous]

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@Anonymous wrote:
Are they removing settled collections as well?

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I'm not sure. I'm assuming they're removing anything without valid information. They're also supposed to be refunding those they collected a higher debt (than what was owed to the OC) from.

http://www.consumerfinance.gov/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/

[Anonymous]

Has anyone else had this happen?

I see my Midland collections are still on - last updated 9/11/15.

[texasraj]

I have 2 Portfolio recovery collection and 1 midland collection. Will they be deleted with this new judgement? Is there any specific how to deal with them after these lawsuit settlement. I woule be very grateful for your insights.

[Anonymous]

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@Anonymous wrote:

Has anyone else had this happen?

I see my Midland collections are still on - last updated 9/11/15.

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Where did you check?  MyFICO or elsewhere?  Visit CreditKarma to see if it's still showing on TU / EQ.

Not all Midland collections are being deleted. Generally, it's very old ones, often out of SOL, and may be further limited to certain creditors.

On a related topic, even though Midland is deleting collections in bulk, they may still be attempting to collect on them. Screen calls; hang up immediately unless intending to settle the debt(s) on the spot; avoid payment plans - pay lumpsum only.