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Woke up this morning to a Midland Deletion!!

Regular Contributor

Woke up this morning to a Midland Deletion!!

Paid Midland couple months ago not knowing what I know today by reading this awesome forum daily and decided to dispute Experian first because it was showing unpaid and past due on my report even tho it was paid. I woke up this morning to an email from experian and they deleted it, awesome!!!. 

 

I'm currently disputing the same thing through TU and had to actually go through the CFPB because my initial dispute was verified as accurate even tho I paid and had copy showing it? Made me think they didn't even check it. It can take up to 90 days if you dispute through CFPB so I'll post back when I get the outcome.

 

This is the only bad thing i've ever had on my credit and it was from an old t-mobile bill for $403 which wasn't even reporting the correct amount. It was never reported on EQ so luckily have not had to deal with them. I'm trying to build a solid credit history and getting off to a late start "just turned 36 in Dec" luckily I'm on the right track now thanks to my girlfriend for bringing it to my attention "wanting to buy house in the future".

 

Edit: Called Transunion to check the status of my dispute since it has been over 30 days and the lady said they  deleted midland from my report today and they will mail me a fresh report. Thank God! This was the only negative left on my report and I am now starting with a clean slate!!!!

 

Got approved for a $1,500 Discover it card today as well!!

 

Message 1 of 14
13 REPLIES
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Frequent Contributor

Re: Woke up this morning to a Midland Deletion!!

Congrats!

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Message 2 of 14
Moderator Emeritus

Re: Woke up this morning to a Midland Deletion!!

Well that was a nice wake up!!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 14
Frequent Contributor

Re: Woke up this morning to a Midland Deletion!!

Congrats!!!!!

I am working on getting them deleted right now,hope I can say the same before long!


Starting Score: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k
Message 4 of 14
Established Contributor

Re: Woke up this morning to a Midland Deletion!!

Yayyyy!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 5 of 14
Established Contributor

Re: Woke up this morning to a Midland Deletion!!

Congrats

Message 6 of 14
Regular Contributor

Re: Woke up this morning to a Midland Deletion!!

Edited original post! Transunion deleted Midland today finally! I'm finally free.....

Message 7 of 14
Moderator Emeritus

Re: Woke up this morning to a Midland Deletion!!

What a wonderful feeling.  Happy dance!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 14
Established Contributor

Re: Woke up this morning to a Midland Deletion!!

CONGRATS!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 9 of 14
Regular Contributor

Re: Woke up this morning to a Midland Deletion!!

Just got approved for a $1,500 Discover it card as well. My TU fico score jumped from 615 to 671 when midland got deleted today. I'm so happy right now!!!!!

Message 10 of 14