This question is for DH. We are approved for an FHA refi, with conditions. One of which is that an old Sears account now owned by Midland show as a $0. It now shows as "no status". This is from an account closed 5 years ago. We've been in the mortgage process for a couple of months, during which time we were told this account was "not a problem". Now it is, and we don't have a lot of time to go through sending letters back and forth.
What is the best course of action? My DH is hesitant to talk to them and open up a whole can of worms so to speak. He tried to call and talk to someone without being recorded. Left a message on an unidentified voicemail and no call back.
If anyone has advice, please post or PM me. I've done quite a lot of reading on Midland and it seems as if they truly are sharks, and that people have mixed results when dealing with them.
TIA!
Lisa
