Credit Card Center Advertiser Disclosure†
09-20-2013 05:57 PM
I'm about to deal with Midland too. Does anyone have a legit address for their collection agency? I heard the address they include on the credit report is for credit reporting matters only, not for collection activities. Since I'm going to DV them, I'd love it if someone could provide a confirmed address to send them a DV. The address on my CR is:
Midland Funding LLC
8875 Aero Dr. 200
San Diego, CA 92123
Last thing - Is it a violation of the FCRA to report the same item twice on the CR? One item is reported by the OC as charged off, and a second separate trade item (for the same thing) appears under Midland.
Welcome to the forums.
No, it is not a violation. One is the OC reporting of the status of their account, the CO and the CA is reporting the collection of the debt.
10-02-2013 09:38 AM
I am having a similar issue with Midland. Midland bought a debt for a secured credit card (last payment made 07/2007, so its coming off next summer) and they refuse to settle and do a pay-for-delete. I owe a total balance of a little over $2,000. I made a settlement offer and their agent flat out told me they do not offer a pay-for-delete option, but would update the credit reporting agencies in 45-60 days. I said thank you and hung up.
10-02-2013 10:29 AM
Good ole Midland Funding...I have two on my report...one scheduled to fall off this month and the other next month. So, I am going to wait it out. BTW, they are only on my TU report..no others.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.