Midland disappeared off my report...

[Anonymous]

A negative account I have with Midland has disappeared off my Equifax account.

It is still on Experian as "debt purchase" and Transunion as "collection".

I was considering a PFD, as the account is 2.5 years from falling off all three reports.

But - I haven't done anything yet.

My question - is something worse (charge off?) about to happen or should I just consider myself lucky and move forward with a PFD?

Thanks!!

[RobertEG]

Often an indication that the debt collector either has sold the debt, or their collection authority has been terminated. 

It could be followed by reporting of a new debt collector.

Who now owns the debt?

I would first give them a call, and ask if they are still involved with collection on the debt.  If so, I see no reason not to send them a PFD with respect to their continued reporting to EX.