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Midland deleted!!

Established Member

Midland deleted!!

I recieved this email today from a dispute I made 2 days ago. We have researched the credit account. Account # - * 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, 8875
Aero Dr Ste 200, San Diego CA 92123-2255 Phone: (800) 825-8131. It was reported back so quickly because I called equifax and demanded to know why the account was being reported at 120 days late and the last late payent status was shown as 2 years after the last activty date. My question is has then happened to anyone else and if so , did the negative account come back? If it was deleted because of inaccurate information, can midland really just add the account back? Thanks so much for any help or advice given!!!

 

 

Message 1 of 14
13 REPLIES
Moderator

Re: Midland deleted!!


ajs813 wrote:

I recieved this email today from a dispute I made 2 days ago. We have researched the credit account. Account # - * 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, 8875
Aero Dr Ste 200, San Diego CA 92123-2255 Phone: (800) 825-8131. It was reported back so quickly because I called equifax and demanded to know why the account was being reported at 120 days late and the last late payent status was shown as 2 years after the last activty date. My question is has then happened to anyone else and if so , did the negative account come back? If it was deleted because of inaccurate information, can midland really just add the account back? Thanks so much for any help or advice given!!!

 

 


They can add it back in if they report correct info, it was most likely deleted due to them no longer handling the collection, could have been recalled by the OC and sent to another CA or if they owned the debt they could have sold it to someone else. I would not worry about it until it comes back.. if it comes back..

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 2 of 14
Established Member

Re: Midland deleted!!

Thank you for the info!  I want to buy a house in the next 6 months, and something popping back up and causing my score to dive would be really bad. I don;t want to wait around to see if it will pop back up!

 

Message 3 of 14
Frequent Contributor

Re: Midland deleted!!

I doubt it will pop back up.


Starting Score: TU 490 on 11/2012
Current Score:6/16/15:EQ 714, EX 704, TU 702 (all from myFICO)
New Goal Score: 740+ for all three
Message 4 of 14
Highlighted
Moderator Emeritus

Re: Midland deleted!!

If reinsertd, the CRA must notify you.  There's a few hoops involved to put it back on, it's not an easy thing to do.

Starting Score: 504
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.
Message 5 of 14
Established Member

Re: Midland deleted!!

Thanks everyone, It was a battle to get it removed and I am still not 100 percent sure how it happened. I will keep my eye on my report, but from what I have read, it usually pops back up after awhile..Smiley Sad

Message 6 of 14
Community Leader
Super Contributor

Re: Midland deleted!!

Sweet!! Congrats!

Message 7 of 14
Established Member

Re: Midland deleted!!

Thanks, Now  I am wondering if the other credit agencies will report it deleted......


baller4life wrote:

Sweet!! Congrats!


 

Message 8 of 14
Community Leader
Super Contributor

Re: Midland deleted!!

Did you only dispute with EQ or the other two as well? The only way it would be deleted from all 3 is if Midland initiated the request for deletion. If not, you will have to dispute it with EX and TU. They do not communicate with one another regarding deletions.

Message 9 of 14
Established Member

Re: Midland deleted!!

As a follow up of this, all three credit reporting agencies have deleted the midland account. I am not sure why, but It said according to some new information provided. I believe they were reporting my account status wrong.. Great news though!!!Smiley Happy

Message 10 of 14