topic Re: MIDLAND in Rebuilding Your Credit

MIDLAND

Anonymous — Thu, 20 Dec 2012 23:01:48 GMT

I would like to thank everyone for all your helpful info. I'm going to be settling with Midland tomorrow and it would be greatly appreciated if anyone could provide snail mail addresses that I could use to send a relentless stream of GW requests to Midland. I will keep everyone posted on my progess. I don't expect this to be quick, cheap, or simple. Thanks again for any help you can provide.

Re: MIDLAND

Anonymous — Thu, 20 Dec 2012 23:06:38 GMT

Im in the exact same boat so let me know if you have any success and I will do the same if any of my methods work for me....

Re: MIDLAND

NewbieReed — Fri, 21 Dec 2012 02:24:48 GMT

Keep me in the loop too ! I am doing working to get them removed as well. I'll keep you guys posted of my success, if any at all. ugh.

Re: MIDLAND

maluba — Fri, 21 Dec 2012 02:44:02 GMT

I'm working to settle some things out with Midland too, so i wish you luck

Re: MIDLAND

NewbieReed — Fri, 21 Dec 2012 22:58:46 GMT

I've been GWing them via e-mail for an account that I PIF moths ago, before I knew about PFD. At least 5 e-mails a day to different people in management -- one per person EVERY DAY for the past week. Today - I just received a response from the Senior VP "thanking me for my note & follow-up correspondence" (LOL!) and that my request has been forwarded to her compliance department....we'll see, indeed!

Re: MIDLAND

sphinx313 — Sat, 22 Dec 2012 02:22:28 GMT

What is the balance/how much are you settling for? I currently have a T-Mobile account with Midland for $1,073. I am NOT paying that much lol. Just curious what people are throwing out there and if I should be aggressive and decline a bad counter-offer from them.

Re: MIDLAND

NewbieReed — Sat, 22 Dec 2012 02:26:07 GMT

@sphinx313 wrote:
What is the balance/how much are you settling for? I currently have a T-Mobile account with Midland for $1,073. I am NOT paying that much lol. Just curious what people are throwing out there and if I should be aggressive and decline a bad counter-offer from them.

Well, Idk about everyone else, but I settled a $350 acct for $223 (from GECRB/Old Navy) about 6 months ago -- before I knew about PFD and before I was into the forums. So now, I am just trying to get this stuff removed from my CR.

Re: MIDLAND

sphinx313 — Sat, 22 Dec 2012 02:29:08 GMT

I make it a point not to pay over 50%, and I get so stubborn that I will just hand up on them if those are not the terms. This is my biggest collection though, and with a company people don't like. I just refuse to give Midland more than $500, and even $500 is a lot considering over $700 of that is "Early Termination Fees" which I had already paid the subsidy on the device so it's all bogus fluff money to begin with. I would love to settle for $300 lol.

Re: MIDLAND

NewbieReed — Sat, 22 Dec 2012 02:42:52 GMT

LoL! That's how I handle my big baddies sphinx. Settle for 25-40% most of the time, but this one was my smallest, so I really didnt care how much I had to pay. I offered to PIF but the rep was actually pretty nice, in that he suggested a discount.

I wish I knew then what I knew now though. Ugh. Oh well! C'est la vie. I'm moving forward and GWing these ppl to the ground!

Re: MIDLAND

Anonymous — Sat, 22 Dec 2012 07:26:21 GMT

My acct. was for 655 and the settlement was for 385. I did it moneygram so add 4.99. I wanted it fast and clean so I could start harras.....I mean Good Willing them as soon as possible.

Re: MIDLAND

Anonymous — Fri, 28 Dec 2012 06:35:58 GMT

Did you ask for a deletion?

Just curious, because they will be my last baddie to settle with for $10k. I don't want to pay more than $1500! I have now settled and gotten rid of $70k in the last 2 years, all with successful deletions. Thanks in large to these forums! My credit score is now in the 700's! Yahoo!

Re: MIDLAND

minnie77 — Fri, 28 Dec 2012 06:47:18 GMT

I would really like contact information for anyone that you were able to get a responce from. I am going to start trying to settle with them soon, thanks in advance!

Re: MIDLAND

rileytp — Fri, 28 Dec 2012 08:40:05 GMT

This is on my credit report for $1,451. I got it through USAA (my credit report) and it's not showing what it's exactly for (the Midland collection). I did have a Cingular Wireless account that had a few early termination fees tacked on.

I hope to use other's experience with them when I go to bat on the debt.

What does GW stand for?

Re: MIDLAND

NewbieReed — Fri, 28 Dec 2012 19:25:34 GMT

@rileytp wrote:
This is on my credit report for $1,451. I got it through USAA (my credit report) and it's not showing what it's exactly for (the Midland collection). I did have a Cingular Wireless account that had a few early termination fees tacked on.

I hope to use other's experience with them when I go to bat on the debt.

What does GW stand for?

Hey there Ripley! Good luck with Midland -- I am in the processo of dealing with them as well (And so are a lot of other folks in the forums!) .

GW stands for "Goodwill" -- it's a request (typically in written form) for a company to make a "goodwill adjustment" to their reporting to the CRAs. I've had success with GW requests with two other companies in the past 30 days and I'm currently in "goodwill 'em to the ground"-mode with 3 others.

Best of Luck! Let me know if you need e-mail contacts for MCMCG (Midland). I've been distributing my list which was sent to me by another member a while back.

Re: MIDLAND

minnie77 — Fri, 28 Dec 2012 19:22:44 GMT

Hi. I was looking for this contact info as well. I have a $1000 collections account with them but I have no idea what its from. I have tried calling their 800 number and all I get is "we can take an electronic check or credit card over the phone" and not much other information. Thank you!

Re: MIDLAND

boog13 — Fri, 28 Dec 2012 19:58:42 GMT

Hello,
If possible, can you pm me the info as well.
Thanks in advance

Re: MIDLAND

NewbieReed — Fri, 28 Dec 2012 20:27:29 GMT

Check ur pm!

Re: MIDLAND

jnnngs_mrcs — Fri, 28 Dec 2012 20:53:12 GMT

Hello,
If possible, can you pm me the info as well.
Thanks in advance

Re: MIDLAND

NewbieReed — Fri, 28 Dec 2012 20:57:36 GMT

Sent!

Re: MIDLAND

raisinitup — Fri, 28 Dec 2012 21:11:29 GMT

I would love to have that info as well. Please PM - Thanks a bunch!

@NewbieReed wrote:
Sent!