Midland Collection Disappeared??

[Anonymous]

Yup.  Gone off of all three reports.  Noticed it about 2 weeks ago.  Just now getting around to searching for the **bleep**, why, and Wheeeeeeeeeeeee! It's gone reaction.  Wasn't scheduled to drop off until 2018.

Had attempted to verify several times but never got around to playing hardball with them since I live in San Diego and they are based here.  They file a lot more local lawsuits here due to the fact that they have a major office here.

I now have zero collections. 

--Yay--

[Anonymous]

Midland deleted with 3 CRAs for both my husband and I. 😀

[Anonymous]

For anyone that has had Midland collections drop off, who were the OC of those collections? Just wondering if certain OC seems to be coming off while othes are not.

[ladybug72]

I also have a question. How did you find out the accounts were removed? Did you just happen to check your credit report or do you have a site you use that monitors it? I use a couple of monitoring sites, but they don't usually tell me when something falls off, only when balances change or there's new inquiries. I would like to keep an eye on it without having to pay for new credit reports all of the time.

[Anonymous]

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@Anonymous wrote:

For anyone that has had Midland collections drop off, who were the OC of those collections? Just wondering if certain OC seems to be coming off while othes are not.

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So far I've seen Tmobile (mine), Verizon (others), and BOA (others) deleted.

[Anonymous]

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@ladybug72 wrote:

I also have a question. How did you find out the accounts were removed? Did you just happen to check your credit report or do you have a site you use that monitors it? I use a couple of monitoring sites, but they don't usually tell me when something falls off, only when balances change or there's new inquiries. I would like to keep an eye on it without having to pay for new credit reports all of the time.

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Credit Karma alerted me (during my weekly update) that the collections were removed. Other credit monitoring services just provided me with my new scores once the collections were gone.

[Anonymous]

We both had t-mobile co with midland, which were not making any sense...and we are both subscribed to creditkarma, it updates reports every week and shows if any changes happened including acc removals.

[Anonymous]

So I have a Midland Funding collection that went all the way through to wage garnishment.  Original debt $500 but the balance now shows as $1,400.00.  

Backstory: I had a MESS back in  2009 and literally just had to walk away from all CC debt back then. I have litererally ignored EVERY attempt to collect (phone calls, letters lawsuits) since then.  I almost filed BR back in 2010 but did not.  Anyway, my biggest acct began wage garnishments last May and will be completed in Dec of this year.  I almost filed BIK again because the amount they are garnishing is insane but I decided against it again. I just want all of this to be done and I want to rebuild. The feeling of that huge account being PIF will be such a weight lifted off my shoulders.  I have been on a full court press to get my credit repaired and back to a decent score. I am in the process of trying to payoff the remaining debts myself.  Some have fallen off completely on their own (which is weird to me since it's only been 5 years) but  I still have about 5 accounts that I need to deal with.

All of this to say the Midland garnishment is not able to start until the current one ends so I have been just paying them myself over the last month. Stupid probably but they were going to garnish anyway and now I just want it all to be done ASAP.  I have paid it down to $969.00 and will have it totally paid off by mid-November.  What does this lawsuit mean for someone like me who never tried to fight or dispute the debt and is in the process of paying it off?

P.S. - I wish LNV Funding was part of this lawsuit.  They are who my current garnished wages are going to. I'd love to get some or part of that money back. 

[CJ7]

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@Anonymous wrote:

Backstory: I had a MESS back in  2009 and literally just had to walk away from all CC debt back then. I have litererally ignored EVERY attempt to collect (phone calls, letters lawsuits) since then.  I almost filed BR back in 2010 but did not.  

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Sounds like my story to a tee

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 What does this lawsuit mean for someone like me who never tried to fight or dispute the debt and is in the process of paying it off

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From what I gather, it depends if it's flagged as one of the $120M in debts they're ordered to forgive - and it should mean a refund.  YMMV.

I hope part of your current credit repair involves having picked up a secured card somewhere.  Waiting for all the baddies to fall off

isn't enough - you need new credit to balance out the old as well as showing some current open account(s).

[Anonymous]

I hope part of your current credit repair involves having picked up a secured card somewhere.  Waiting for all the baddies to fall off

isn't enough - you need new credit to balance out the old as well as showing some current open account(s).

I was actually wondering if I needed to do that?  I got approved for two different Cap One unsecured cards (one with 0% interest for 6 months and cash rewards). The crazy part is that I defaulted with Cap One back in 2009. I had 2 cards w/ them. One ended up in wage garnishment and is paid, the other is still on my CR as a charge off.  

My limits are $500 each but I cannot even explain how excited I was to actually get approved for a real, decent card with no annual fee. After 5 months of payments they will do a CL increase.  I am just putting gasoline on there and plan to pay it after the statement hits.  Also, I am paying off an AMEX card that never got sold to a collection agency for whatever reason. It is still owned by AMEX even though I havent' made a payment in 5 yrs.  I ignored all of their settlement offers until the last one that I got in August. When I called, the guy (who was very nice) talked me in to paying it in full with the promise of a positive entry on my credit and a $900 Optima card after it's paid.  They set it up for 22 months but I plan to have it paid off by March.  To get the positive entry on my CR and an AMEX card at the end of it was worth it. If I can prove responsibility with that card, maybe eventually, after my score goes up, they would be willing to consider approval on something else.  

Anyway, should I also go ahead and get a secured card given that I will have 3 unsecured, active cards by March or April of next year with at least  $1,900.00 CL?    I want to get my score up as quickly as possible. Depending on where I check it, it's either 647 or 558 with TU. That is a drastic difference so I'm not sure what's right. I am assuming the lower one though.   

I have learned a lot on here in just the few days since I have discovered it. I never knew I could dispute valid CR entries, never knew about EE, or goodwill requests. I am going to try anything & everything to get my report cleaned up. I have learned invaluable lessons over the past 6 years just through experience.  I will never, ever trash  my credit again. It is too precious a commodity and too hard to get back once it's gone. Any additional advice on getting my score up quickly would be greatly appreciated.