Established Member
Posts: 25
Registered: ‎12-11-2012

Share your experience with Midland

I am pretty new here so I am still trying to get the hang of this credit rebuilding thing. I have a collections account with Midland from 2010 for about $800. I tried contacting them multiple times but they were not interested in settling. I will pay them but I want to get this removed from my credit report because I need to refinance my mortgage as soon as possible. Has anyone had any postive experience with them with PFD? or GW? How will my credit score be affected if I settle versus pay in full? 

Posts: 94
Registered: ‎01-02-2013

Re: Share your experience with Midland

[ Edited ]

For what its worth I disputed a Midland collection from 2009 about two months ago and they never responded so it was taken off. Edited



........???................659 (FICO)................659 (TU08) ........
Regular Contributor
Posts: 170
Registered: ‎12-02-2012

Re: Share your experience with Midland

I just sent 3 DVs to midland ...   (they received yesterday) Mine fall off in 2014 so we will see when/if they respond. Ill dispute if they don't respond. I'm curious if they are supposed to change status to disputed on CR..  

Eq 675
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Regular Contributor
Posts: 189
Registered: ‎11-27-2011

Re: Share your experience with Midland

I have had some success with Midland . I had 2 accounts in collections with them but never contacted them. I received letters from them which gave options to either pay in full or settle for 50% of the full balance. The smaller balance was paid in full and I settled the other account. They updated my reports to reflect the changes as well as a written agreement from them. A small victory I suppose but every little step towards a higher credit rating is worth it.

Starting Score:Equifax 543
Current Score:EQ665 TU 663 EXP625 updated 12/6/2014
Goal Score: 650

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Regular Contributor
Posts: 156
Registered: ‎02-21-2008

Re: Share your experience with Midland

Midland had a legit charge off from a CC of mine for $525.


Once they got ahold of me the interest had built to $700. I tried numerous times to PFD and was rejected every time. Ultimately I paid their "settlement offer" of $605.


The collection reports as paid, and the original credit line reports as charged off. I'm afraid I'm stuck with both tradelines for the next 5 years.

Starting Score: 556
Current Score: 672, 681, 692
Goal Score: 700, 700, 700

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