YAY!!!
Midland Funding deleted from my Equifax, as of this morning.
It was an old GECRB/ Old Navy Account from 2009, I think. I paid Midland in full in 03/2012 without a PFD agreement as it was before i knew about it or even this forum. Ive been GWing them through e-mail, letters, and phone calls since early December. A rep told me that they would mark it "as disputed" because I kept asking them to remove it and they said no. Even though I didnt want them to mark it as disputed, he said that it's their policy to mark it as disputered and it will lower my score, so he suggested that I stop with the GWs. But NO! I didnt listen, I just turned up the heat!! And because they added "consumer disputes this account" to my EQ and my EXP, I just initaited online disputes for them. Might as well, right!? So on New Years, i decided to dispute the info on my account directly through the CRAs.
EQ sent me an alert -- it's been deleted :
We have researched the credit account. Account # - XXXXXXXXX The results are: This item has been deleted from the credit file. If you have additional questions about this item please contact: Midland Credit MGMT Inc
So YAAAAY! I cant wait to app to NFCU for a re-fi now 
Do u think they can use the same HP to do both my re-fi and my CLI? I hope so!
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012 
Grats! It seems once people pay them and you dispute it they simply dont respond since they got there money and the cra's end up deleting it. I had them deleted off 2 reports after paying and disputing. Oh and right after I apped for a Discover it and got approved for $1,500
@nmjacobs wrote:Thanks for sharing! We are literally paying Midand this morning (electronically with a pre-paid debit card that we got just for paying these snakes so they get paid right away but have no access to our checking/savings accounts). We settled with them for 40% too, which I thought was great. We are trying to buy a house in about 2-3 months (we have already met our lender and are doing what he told us to do; pay off all collections). How long after you disputed with the CRA did it get deleted? It looks like 2-3 weeks? And from then, how long before your score went up? Was it right away? Sorry for so many questions! Congrats!
40% is a great deal. Good work!
I Paid midland in 03/2012 before i was in the forums and knew that items could be deleted!
My dispute was submitted on 12/21 and deleted on 1/18.
| COMPLETED | 12/21/2012 | 01/18/2013 | Viewed |
I would assume that if I checked my score today, it would be higher than yesterday, but I will not be pulling my EQ until February since I'm going on an app spree then. I dont want to waste money with a pull today AND then in Feb.
Good luck!!
@Anonymous wrote:Grats! It seems once people pay them and you dispute it they simply dont respond since they got there money and the cra's end up deleting it. I had them deleted off 2 reports after paying and disputing. Oh and right after I apped for a Discover it and got approved for $1,500
Nice work! I will be applying for Discover It in february. Glad to hear good stories about approvals for it.
Editted: BTW, what was ur FICO when u apped and who did they pull?
Absolutely Awesome!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.