Reply
Established Contributor
Posts: 569
Registered: ‎11-10-2012
0

ummm... Midland deleted???!!!?!?!

[ Edited ]

I recently corrected some personal information on my Experian and Transunion reports. PERSONAL INFORMATION ONLY. Got the results today and Midland was no longer haunting my credit reports. Huh?

 

No DV or PFD was sent at all because I don't have the money to negotiate. The only thing I did recently was call T-Mobile to verify the balance and try to PFD for a lesser amount with them. It was a no-go. They would only have Midland delete if I PIF. Hmmm...

 

I know since the debt is valid, it can always come back (until 8/2015 anyway), and it'll stay in my file til paid, but.... I'LL TAKE IT!

 

Haha, Midland! :smileylol:


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: Removing a $30 30-day late mark on my CR in November 2014 because I was too nice to a friend. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: ummm... Midland deleted???!!!?!?!

Keep in mind if it does get re-inserted the CRA will have to notify you with in 5 days. Your score could take a big hit.

Established Contributor
Posts: 569
Registered: ‎11-10-2012
0

Re: ummm... Midland deleted???!!!?!?!

If it gets re-inserted or Midland pulls my credit, can I start the DV process all over again so that at least I can stop collection activity for a while?

 

Since I already verified with T-Mobile, my plan was to pay T-Mobile in full with some money I'm expecting in a few months. I didn't want to deal with Midland at all and just surprised they were gone. I don't want them back!


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: Removing a $30 30-day late mark on my CR in November 2014 because I was too nice to a friend. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: ummm... Midland deleted???!!!?!?!


Ravensfan2001 wrote:

If it gets re-inserted or Midland pulls my credit, can I start the DV process all over again so that at least I can stop collection activity for a while?

 

Since I already verified with T-Mobile, my plan was to pay T-Mobile in full with some money I'm expecting in a few months. I didn't want to deal with Midland at all and just surprised they were gone. I don't want them back!


Who owns the debt? T-Mobile or Midland? 

Established Contributor
Posts: 569
Registered: ‎11-10-2012
0

Re: ummm... Midland deleted???!!!?!?!


DaBears wrote:

Ravensfan2001 wrote:

If it gets re-inserted or Midland pulls my credit, can I start the DV process all over again so that at least I can stop collection activity for a while?

 

Since I already verified with T-Mobile, my plan was to pay T-Mobile in full with some money I'm expecting in a few months. I didn't want to deal with Midland at all and just surprised they were gone. I don't want them back!


Who owns the debt? T-Mobile or Midland? 


I'm assuming T-Mobile. I'm still not understanding how that gets verified. But T-Mobile said they could accept my payment in full and pull Midland from my credit reports. T-Mobile isn't reporting on my credit.


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: Removing a $30 30-day late mark on my CR in November 2014 because I was too nice to a friend. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Established Contributor
Posts: 534
Registered: ‎01-23-2013
0

Re: ummm... Midland deleted???!!!?!?!

Be advised, they cannot.

 

Yes, they can (if they still own it) pull the debt back and take your payment. If they are listed in ADDITION to midland, they can delete their own entry.

 

They cannot legally require midland to delete their entry. They could recommend they do so, and maybe midland would do so based on that recommendation. Just sayin, dont take their word that they will get midlands entry off your CR based on them 'requiring' midland to do so.

Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: ummm... Midland deleted???!!!?!?!


Ravensfan2001 wrote:

DaBears wrote:

Ravensfan2001 wrote:

If it gets re-inserted or Midland pulls my credit, can I start the DV process all over again so that at least I can stop collection activity for a while?

 

Since I already verified with T-Mobile, my plan was to pay T-Mobile in full with some money I'm expecting in a few months. I didn't want to deal with Midland at all and just surprised they were gone. I don't want them back!


Who owns the debt? T-Mobile or Midland? 


I'm assuming T-Mobile. I'm still not understanding how that gets verified. But T-Mobile said they could accept my payment in full and pull Midland from my credit reports. T-Mobile isn't reporting on my credit.


midland will be the only ones if they wish to delete the tl. all they are required to do is update the tl showing a $0 bal. pay t-mobile then gw the ca for removal of tl

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: ummm... Midland deleted???!!!?!?!


DaBears wrote:

Keep in mind if it does get re-inserted the CRA will have to notify you with in 5 days. Your score could take a big hit.


This is only the case if the account was deleted due to a dispute with the CRAs.

Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: ummm... Midland deleted???!!!?!?!

good point. i'm only on 3 hrs of sleep :smileysad:

Established Contributor
Posts: 534
Registered: ‎01-23-2013
0

Re: ummm... Midland deleted???!!!?!?!

 /dcc send dabears columbian dark roast 40oz

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 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.

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.