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
TU 681
Ex your guess is as goodas mine!

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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: 157
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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