I'm new and trying to get some assistance in my next step. I had a T-Mobile debt (2011) that was bought by Midland Credit. They were collecting on a debt of $840 and I did settle with MCM for $450 3 weeks ago (before i joined MyFico). However, when I did join MyFico it is listed as Paid in Full however it is coming up as an account instead of a collection showing up with 120+ late payment. I do see that they are tough to crack with removing anything from from crI, but how do I get them to at least report it correctly? I am going to attempt gw for removal, but my hopes aren't high for it going anywhere... Are they claiming to be oc? Reaging the debt? Do i have legal recourse? How does this affect my credit score? I don't know what to do - HELP!!! I have no other lates or collections on my cr at all. Also, I am in Massachusetts if that is a factor. I am trying to move into the 700 club and this is disheartening. Thanks in advance.
Starting Score: 650
