tmobile / midland funding

[mossmanb5]

i currently have midland funding after me for an old tmobile account. the account is 938.00 but they keep offering me a paid in full 1 time offer of 374.30 at 60 percent off. this wont come off my report till around 2017. is it a good idea to take the offer? will it help showing a zero balance? i tried several times to pfd and never any luck. i plan on trying for a mortgage in the next year or year in a half ?

[Jimmyl66]

I was in the same situation with a T-Mobile/Midland collection. I walked into T-Mobile and paid them directly. I then emailed the executive officer at midland asking them to remove the trade line. I just got a letter from midland saying they have instructed all three reporting agency's to delete the trade line. Hope this helps.

[mossmanb5]

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@Jimmyl66 wrote:
I was in the same situation with a T-Mobile/Midland collection. I walked into T-Mobile and paid them directly. I then emailed the executive officer at midland asking them to remove the trade line. I just got a letter from midland saying they have instructed all three reporting agency's to delete the trade line. Hope this helps.

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did you have to pay the full amount? its easier for me to pay only 30 percent then the 100 percent.

[guykara]

Of course it's easier I think for this method to work, you will need to pay the full amount directly to T-Mobile. I also did this recently, and paid the full about ($230 or so). Now waiting for the trade line to be deleted, but was told my T-mobile that it would be.