Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 49
Registered: ‎04-28-2009
0

YES!!!!!! GW MIDLAND SUCCESS!

I am doing the happy dance!!!  Today I was lurking around the boards looking for an email address to GW Midland.  I had already typed my letter for the U.S. Mail and had planned on sending it out this afternoon.  After some research (thanks Illecs), I found three email addresses.  I sent my letter to all three via email late morning.  About an hour ago, I received a call from a customer service rep who said that the CEO had passed my email along to her to take care of.  She explained that while it is not their practice to delete legitimate collections, because of my compelling letter, they decided to delete the CA from all three CRA.  She told me that she would be sending me a letter in the mail confirming that so that I could follow up with the CRA's if it is not deleted within 30 days.  She also gave me the number to her direct line in case there was a problem in the future. 
Regular Contributor
Posts: 165
Registered: ‎04-21-2009
0

Re: YES!!!!!! GW MIDLAND SUCCESS!

What was your story - did they validate, etc.?

 

***********************************************************************
800FICOwannabe

07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534

***********************************************************************
800FICOwannabe


10/01/09 - FICO scores: 11/05/09: EQ - 722, TU 637 EQ - 713, TU - 622
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
Valued Member
Posts: 49
Registered: ‎04-28-2009
0

Re: YES!!!!!! GW MIDLAND SUCCESS!

Like so many others, I made a settlement agreement for less than the amount and paid the bill  before I became a member of the FICO family.  I didn't know then that I was supposed to ask for a PFD.  When I last pulled my EQ it showed that it was still 120 Days+ past due.  So, I sent the email advising that I had paid the bill in April per a settlement agreement and that it was still showing past due, and asked them to remove it from credit files because it was hurting my score and possibly hindering me from getting financing for a mortgage.  And they did just that.  I sent it to three email addresses that I found on the Board.  I was shocked that they responded so quickly. 

 

I really owe alot to you guys!  You are fantastic.  Since I have been reviewing the Boards I have been able to have 6 medical accounts removed using the HIPAA process, 2 judgments (which IMO was a fluke), and now Midland is on its way out.  I still have a few to go, and I have heard that they are pretty tough: Arrow Financial, First Premier Bank and Certified Recovery. 

Regular Contributor
Posts: 165
Registered: ‎04-21-2009
0

Re: YES!!!!!! GW MIDLAND SUCCESS!

Arrow should be fairly easy - DV them repeatedly.  They usually can't validate and will delete.

 

***********************************************************************
800FICOwannabe

07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534

***********************************************************************
800FICOwannabe


10/01/09 - FICO scores: 11/05/09: EQ - 722, TU 637 EQ - 713, TU - 622
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
Valued Member
Posts: 49
Registered: ‎04-28-2009
0

Re: YES!!!!!! GW MIDLAND SUCCESS!

Thanks for the advise I am going to try it!
Regular Contributor
Posts: 165
Registered: ‎04-21-2009
0

Re: YES!!!!!! GW MIDLAND SUCCESS!

And don't forget to CMRRR the DV letters - I think this tends to scare them b/c you can then prove your efforts if you ever have to!

 

Good luck!

 

***********************************************************************
800FICOwannabe

07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534

***********************************************************************
800FICOwannabe


10/01/09 - FICO scores: 11/05/09: EQ - 722, TU 637 EQ - 713, TU - 622
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
Regular Contributor
Posts: 152
Registered: ‎02-03-2009
0

Re: YES!!!!!! GW MIDLAND SUCCESS!

Hi Verdict,

 

Congratulations on your success with Midland as they're not easy to deal with sometimes. Also, I sent you a PM asking you for the email addresses you used.


Current Score: (04/12/11) TU 743, EQ 750
Take the FICO Fitness Challenge
Valued Member
Posts: 49
Registered: ‎04-28-2009
0

Re: YES!!!!!! GW MIDLAND SUCCESS!

Thank ya very much! 

 

Check your PM.  I sent you the information. 

Senior Contributor
Posts: 4,301
Registered: ‎05-01-2008
0

Re: YES!!!!!! GW MIDLAND SUCCESS!

That's some sweet success!!!!!!  Good for you!  Smiley Very Happy

 

Mine should be gone so I disputed the fact that they are still reporting.  I did this because when I called my old contact there, she said they cant delete, but to dispute with the 3.

 

Can I get that address too (pleaseplease) & maybe that will be quicker!



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

Established Contributor
Posts: 588
Registered: ‎07-20-2008
0

Re: YES!!!!!! GW MIDLAND SUCCESS!

Can I get the midland email addresses anyone? 
Sigh. Starting over...Chap7 discharge 7/29/15
Myfico.com scores as of 11/19: tr535/eq574/ex579

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.