Should I pay them?

[Lthomas356]

Hello all! I have an old CC CO from Citi that now the debt belongs to Midland Credit Management. I have read on here that it’s been very hard to get them to PFD. According to my TU Midland is scheduled to delete 09/12, EX 07/12 (EQ idk). If I pay them in full before the deletion date will it still get deleted during the time my CR is saying? I was thinking about just letting it "fall off" but I'm deciding not to do that bc Citi will most likely just sell it to someone else. Well someone please help and thanks in advance.

[llecs]

EQ doesn't list drop off dates, but you can add 7 years to their DOFD and get a rough drop off date. The DOFD should say anywhere from 7/2005 to 9/2005, give or take.

If you pay the CA, it'll continue to report as a collection, albeit a paid one. Per FICO scoring, it doesn't matter if you owe $0 or $10k, the impact is equal, so you won't see a change in score.

Midland is more of a JDB than a first-string CA. At any time, Midland can choose to sell it to someone else. Even after SOL and CRTP expires, then can continue to sell it and hound you for it. However, it still can't report past next summer/fall, regardless of who owns it. Just make sure your SOL had already expired. That ranges anywhere from 3-15 years depending on where you live and the debt-type. If I owed it, I'd keep trying with the PFDs or PIF and try GWing it.