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Established Member
ajs813
Posts: 14
Registered: ‎11-01-2013
0

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!!!

 

 

Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
0

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..

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Established Member
ajs813
Posts: 14
Registered: ‎11-01-2013
0

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!

 

Frequent Contributor
lavencedora
Posts: 305
Registered: ‎11-04-2013
0

Re: Midland deleted!!

[ Edited ]

I doubt it will pop back up.


Starting Score: TU 490 on 11/2012
Current Score: From 5/2014:TU 651 (lender pull), EQ 686 (myFICO), from 6/15/2014 EX 690 (myFICO)
Goal Score: 700+


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Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

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+

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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!
Established Member
ajs813
Posts: 14
Registered: ‎11-01-2013
0

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..:smileysad:

Senior Contributor
baller4life
Posts: 3,857
Registered: ‎09-13-2013
0

Re: Midland deleted!!

Sweet!! Congrats!



GARDENING: 11/8/14 - 10/1/15 EQ: 644 EX: 688 TU: 691
MY WALLET: $10k NFCU CASH|$10k BOA CASH|$10k DINER'S CLUB PREMIER|$9k AMEX DELTA
$7.5k NFCU PLAT MC|$7k DISCOVER IT|$5k AMAZON|$5k WALMART|$2.5k CHEVRON
$1k BARCLAYS RING|$1k BARCLAYS RMC|$1k CARE CREDIT|$1k CITI DIAMOND PREFERRED
Established Member
ajs813
Posts: 14
Registered: ‎11-01-2013
0

Re: Midland deleted!!

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


baller4life wrote:

Sweet!! Congrats!


 

Senior Contributor
baller4life
Posts: 3,857
Registered: ‎09-13-2013
0

Re: Midland deleted!!

[ Edited ]

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.



GARDENING: 11/8/14 - 10/1/15 EQ: 644 EX: 688 TU: 691
MY WALLET: $10k NFCU CASH|$10k BOA CASH|$10k DINER'S CLUB PREMIER|$9k AMEX DELTA
$7.5k NFCU PLAT MC|$7k DISCOVER IT|$5k AMAZON|$5k WALMART|$2.5k CHEVRON
$1k BARCLAYS RING|$1k BARCLAYS RMC|$1k CARE CREDIT|$1k CITI DIAMOND PREFERRED
Established Member
ajs813
Posts: 14
Registered: ‎11-01-2013
0

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!!!:smileyhappy:


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