Midland reporting monthly questions

[Anonymous]

MIDLAND CREDIT MGMT is updating monthly the following accounts they hold:

1) an old Target card and lists its Date of First Delinquency: 05/2010  and Date Major Delinquency First Reported: 09/2012

2) an old American Eagle card and lists its Date of First Delinquency: 06/2010 and Date Major Delinquency First Reported: 07/2012

3) and a judgment I consented to and just made the last payment today (yay)

I know I have read on these forums if it’s updating it would be best to settle, but I wanted to confirm that before I try to PFD.

And I would also like to ask, why list two delinquency dates? Which matters officially??

Thanks in advance!!

[rockbttm442]

DOFD(Date of First Delinquency) is the most important.

[gdale6]

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@Anonymous wrote:

MIDLAND CREDIT MGMT is updating monthly the following accounts they hold:

1) an old Target card and lists its Date of First Delinquency: 05/2010  and Date Major Delinquency First Reported: 09/2012

2) an old American Eagle card and lists its Date of First Delinquency: 06/2010 and Date Major Delinquency First Reported: 07/2012

3) and a judgment I consented to and just made the last payment today (yay)

I know I have read on these forums if it’s updating it would be best to settle, but I wanted to confirm that before I try to PFD.

And I would also like to ask, why list two delinquency dates? Which matters officially??

Thanks in advance!!

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Yes settling updating derog TLs is the best thing to do, you would first attempt the PFD and if it fails then you can just settle to stop the updating and once its updated to paid then switch to a GW letter campaign. As stated the DoFD is the key date this is the date that starts the SOL & CRTP clocks ticking.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/td-p/2031275

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680

[Anonymous]

Is it worth noting that the DOFD / Date of First Delinquency for the Target account vs the Midland collection for the Target account don't match??

name	account	original	Date of First Delinquency	Date Major Delinquency First Reported	Last Payment Made	Past Due	source
MIDLAND CREDIT MGMT INC	855248XXXX	TARGET NATIONAL BANK	May-10	Sep-12		$689	equif2015
MIDLAND FUNDING LLC	#855248****	TARGET NATIONAL BANK				$689	tran2015
TNB-TARGET	#63156****		Jul-10		6/10/2010		tran2015
TARGET NATIONAL BANK	63156XXXX		Jun-10	Dec-10	Jun-10		equif2015

does this matter or is it worth disputing??