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Regular Contributor
SE7EN57
Posts: 177
Registered: ‎12-08-2012

Woke up this morning to a Midland Deletion!!

[ Edited ]

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!!

 

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Frequent Contributor
shorrttyycm1
Posts: 392
Registered: ‎03-29-2011

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
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

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!
Regular Contributor
mmmlive1999
Posts: 131
Registered: ‎12-18-2012

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: 06/06/2012:FAKO TU 585/EQ 472/ EX 561
Current Score: TU98 688/TU08 644, EQ5.0 679/ EQ 680 (Cap1),
EX 652(Chase)/EX08 655

Goal Score: 700 by 12/2014
CC:Cap1 Venture-$3300, Quicksilver-$1750,Chase Freedom-$2200
Store Cards: Vic.Sec -$450, Walmart-$500 ,Gap $400( as of 3/28/2014)
Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012

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
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

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

Congrats

Regular Contributor
SE7EN57
Posts: 177
Registered: ‎12-08-2012

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

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

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Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

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!
Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012

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
Regular Contributor
SE7EN57
Posts: 177
Registered: ‎12-08-2012

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!!!!!

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