Success!!! Midland is gone for good.

[Anonymous]

Greeting Everyone,

So besides many other things I am trying to resolve in this rebuilding, I had a very good success with Midland's removal by 623(a). When I first disputed them with the CRA, they sent me a letter asking for cooperation in their investigation. I did not respond to their offer. What I did is that I sent them a Direct Dispute CMRRR. While the Direct Dispute was still on its way, they mailed me yet another letter asking to settle for 40% of the debt. 

Three week after the Direct Dispute, I got a letter today stating that they had informed the CRA to delete their reporting. 

What a relief after all this.. but work is not finish yet. I have last two to go. While I am grateful to all the fantastice people out here for this success, I have a question to ask as well.

Should I be careful doing a Direct Dispute when a CA is reporting to only one or two CRAs? Can a Direct Dispute backfire as in resulting into a new reporting to three CRAs.

What I am asking is that consider one of my last two baddies is Southwest Credit System. When I disputed that with three CRAs in 2014, it was deleted from two but on Exp it came back as "Verified".Now that I want to send a Direct Dispute to Southwest to get them removed from Exp, could it trigger an all new reporting to others two as well?

I will appreciate any insight

[gdale6]

Grats to your success with Midland

Disputing whether at the CRA or Sec 623 level can have undesired consequences. In order for a CRA to reinsert a deleted derog there has to be compelling evidence to allow it back on and if they do it they must notify you within 5 days that they have done it.

[Anonymous]

Thank you so much, it is always encourging to see the progress.

Reinsertion is what I was worried about. Knowing that they could not counter 623 (a),I am sure they dont have documenatation of that caliber that will compell CRA to reinsert. On a good side note, Experian was able to do early exclusion. The account was going to be removed in April 2015. It has been removed already. 

Thanks again.

[Anonymous]

They're reporting on all three bureaus for me too, all inconsistent across each bureau and on Equifax they are showings as the original creditor, reporting 120 days late. I've sent them a direct dispute about a week ago, hoping to hear something soon. They were "verified" for me too when I disputed them on all three bureaus.